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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Nexbank

Dallas, Texas · $14.16B in assets · beside the 11 other Texas banks over $10B

The filing

0.3x
Coverage of noncurrent
10th of 10
-2.2%
Loans, year over year
10th of 11, largest first
8.4%
Equity / assets
10th of 12

Nexbank is the seventh largest of the 12 Texas banks nearest its size over $10B, with $14.16B in assets at 30 June 2026. Loans are 84.5% of deposits, 7th of 12 against a median of 81.6%, and equity is 8.4% of assets, 10th of 12. Loans grew -2.2% in the year, 10th of 11, and deposits grew 3.3%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 1.47% of the book, 8th of 11 against a median of 0.77%; 1.29% is 30 to 89 days past due, and the allowance covers them 0.3 times. Commercial real estate is 15.8% of loans, 3rd of 11 against a median of 27.7%, and 116% of capital, below the 300% screen, with construction at 10% against the 100% screen.

Return on assets is 1.06%, 9th of 12 against a median of 1.33%, on an efficiency ratio of 50.8%, 6th of 12. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsTX banks over $10B · 30 June 2026 · higher is stronger, listed first
median 10.8% IB International Bank of Com 20.3% PB Prosperity Bank 18.5% SB Stellar Bank 15.2% SB Sunflower Bank National Association 12.3% FF First Financial Bank 11.8% AN Amarillo National Bank 10.8% PB Plainscapital Bank 10.7% TC Texas Capital Bank 10.1% FB Frost Bank 8.6% N Nexbank 8.4% CS Charles Schwab Premier Bank SS 7.9% CS Charles Schwab Trust Bank 7.7%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Nexbank is the 218th largest 7(a) lender into Texas of 706, with $20M across 11 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 6 of its 6 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$8M109th of 3140.1%quiet FY2018
Collin, TX$6M94th of 2610.2%quiet FY2015
Tarrant, TX$3M141st of 2810.1%quiet FY2019
Denton, TX$3M100th of 2240.2%quiet FY2011
Yavapai, AZ$2M36th of 890.6%quiet FY2019
Kaufman, TX$355K69th of 860.2%quiet FY2011
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services3$8M36.5%0.02%392nd of 2,248
Retail trade2$4M18.2%0.01%803rd of 2,589
Manufacturing2$3M15.2%0.01%852nd of 2,246
Wholesale trade1$3M11.2%0.01%633rd of 1,651
Mining & extraction1$2M10.6%0.17%141st of 426
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Nexbank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans N Nexbank 0.0% $20M · 11 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
NexbankRankCohort median
Total CRE against capital, the 300% screen116%6th of 12120%
Construction against capital, the 100% screen10%3rd of 1239%
Construction and land development, share of loans1.3%2nd of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans3.9%3rd of 1110.2%
Total CRE, the guidance definition, share of loans15.8%3rd of 1127.7%
CRE growth over 36 months, the third prong-33.0%1st of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
NexbankCohort median
20212026Change20212026Change
Loans$6.04B$9.34B+55%$5.53B$8.82B+59%
Deposits$7.27B$11.05B+52%$10.30B$12.17B+18%
NPA / loans1.07%1.47%+0.40 pts0.54%0.77%+0.23 pts
Efficiency34.8%50.8%+16.0 pts52.6%51.0%-1.6 pts
ROA1.25%1.06%-0.19 pts1.26%1.33%+0.06 pts

This read was prepared for Nexbank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Nexbank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.nexbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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