Slide 1: Q2 2026 Results
Q2 2026 Results Financial Update July 2026
Slide 2: Q2 2026 Financial Highlights
Q2 2026 Financial Highlights ($000s) Income Summary Q2 2026 Q2 2025 % Change Noninterest Income $6,701 $6,141 9.1% Net Interest Income $10,062 $8,463 18.9% Provision for Credit Losses $201 $120 67.5% Noninterest Expense $8,233 $7,690 7.1% Earnings Before Taxes $8,607 $6,794 26.7% Income Tax Expense
Slide 3: Safe and Reliable Credit Quality
Safe and Reliable Credit Quality ▪ 90 days+ past due loans: $29k ▪ Non-performing assets (NPAs): $116k ▪ No other real estate owned (OREO) Allowance vs. NPAs ($000s) Reserves / Loans $8,000 1.01% $7,500 $7,000 1.00% $6,500 0.99% $6,000 0.98% $5,500 $5,000 0.97% $4,500 0.96% $4,000 $3,500 0.95% $3,00
Slide 4: Loan Yield & Concentrations
Loan Yield & Concentrations ▪ Commercial Real Estate concentration was 241% of capital at quarter end ▪ Acquisition, Construction, & Development concentration was 55% of capital at quarter end ▪ Average loans yields increased 4bps quarter-over-quarter Average Loan Yields Commercial Real Estate Avg.
Slide 5: Diversified Loan Portfolio
Diversified Loan Portfolio 1% 1% 1% 2% 2% 1% 0% 0% 1% 1% 1% 5% 5% 6% 5% 5% 6% 8% 7% 7% 7% 8% Owner Occupied Construction 7% 7% 6% 7% 8% 8% 8% 9% 10% 10% 11% Multifamily 7% 7% 11% 9% 9% 9% 5% 11% 10% 8% 13% 13% Home Equity 7% 8% 7% 13% 8% 7% 6% 7% 8% 4% 6% 8% 8% 4% Commercial 7% 8% 7% 5% 8% 7% 8% 8%
Slide 6: Diversified CRE Loan Portfolio
Diversified CRE Loan Portfolio 2% 3% 2% 4% 4% 4% 4% 5% 5% 6% 3% 4% 5% Other Commercial Construction 2% 4% 4% 4% 3% 3% 4% 2% 5% 3% 2% 3% 5% 0% 1% 1% 2% 3% 2% 3% 6% 7% 8% Spec Residential Construction 6% 8% 6% 8% 9% 9% 8% 9% 8% Owner Occ Residential 7% 10% 12% 12% Construction 0% 3% 0% 7% 18% 16% 15%
Slide 7: Deposit Costs
Deposit Costs ▪ Cost of funds increased 6bps from Q1 2026 to 2.76% in Q2 2026 ▪ Increased market pricing for wholesale funding drove the increase NIBA / Total Deposits Cost of Funds 30% 6.00% 24.4% 5.00% 25% 23.2% 19.3% 4.00% 20% 15% 13.8% 3.00% 12.3% 11.3% 11.5% 12.0% 12.1% 10% 2.00% 5% 1.00% 0% 0.
Slide 8: Deposit Composition
Deposit Composition 2% 1% 2% 7% 7% 6% 1% 10% 12% 13% 14% 14% 21% 3% 17% 23% 31% Wholesale Non-maturing 14% 2% 32% 28% 2% 37% 34% Time Deposits - Wholesale 17% 23% 1% 19% 24% 1% 1% Time Deposits - Retail 21% 1% 1% 19% 18% 23% Savings and Money Market 14% 15% 15% 12% Noninterest-bearing 12% 11% 12% 11
Slide 9: Net Interest Margin
Net Interest Margin ▪ NIM decreased 8bps in Q2 2026 compared to Q1 2026 as cost of funds increased and earning asset yields decreased NIM vs. Cost of Funds NIM vs. Fed Funds 4.0% 6.00% 3.5% 5.00% 3.0% 4.00% 2.5% 2.0% 3.00% 1.5% 2.00% 1.0% 1.00% 0.5% 0.0% 0.00% Q2 Q2 Q2 Q2 Q2 Q3 Q4 Q1 Q2 Q2 Q2 Q2 Q2
Slide 10: ROAE and Efficiency Ratio
ROAE and Efficiency Ratio 25% 45% 47% 20% 49% 51% Efficiency Ratio 15% 53% ROAE 55% 10% 57% 59% 5% 61% 63% 0% 65% 2021 2022 2023 2024 2025 2026 YTD ROAE Efficiency ratio 10
Slide 11: Pre-Tax, Pre-Provision Net Revenue
Pre-Tax, Pre-Provision Net Revenue Net Interest Income (+) Non-Interest Expense (-) +23.37% Non-Interest Income (+) Pre-Tax, Pre-Provision Net Revenue (=) Q2 2026 vs. Q2 2025 Q2 2025 Q1 2026 Q2 2026 $17,000 $16,000 $15,000 $14,000 $6,381 $6,701 $13,000 $8,366 $8,233 $12,000 $6,141 $11,000 $7,690 $10
Slide 12: Truxton Wealth Growth Continues
Truxton Wealth Growth Continues ▪ Truxton Wealth represented 37% of net revenue in Q2 2026 ▪ Truxton Wealth represented 93% of total non-interest income in Q2 2026 ▪ Truxton Wealth revenue increased 19.4% in Q2 2026 compared to Q2 2025 Wealth Management Revenue (000s) Wealth Management Revenue (000s
Slide 13: TRUX Financial Returns – Quarterly Trends
TRUX Financial Returns – Quarterly Trends ▪ Efficiency Ratio fell 355 basis points compared to Q2 2025 ▪ Net interest margin (NIM) is 21 basis points higher compared to Q2 2025 ▪ Return on average assets (ROAA) is up 26 basis points from Q2 2025 ▪ Return on average equity (ROAE) is up 132 basis poin
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