UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ______________________________________________________________________________ FORM 10-K _____________________________________________________________________________ (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Com ...

| --- | --- | --- | --- | --- | |-------|---------|--------------|-------|---------| | | | | | | | | | businesses | | | | | HELPING | customers | | TRIUMPH | | | HELPING | | | TRIUMPH | | | HELPING | communities | | TRIUMPH | | | HELPING | team members | | TRIUMPH | | | HELPING | people | | TRIUMPH | January 20, 2022 Q4 2021 Earnings Release = TRIUMPH DISCLAIMER FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, prediction ...

Financial Data and Key Metrics Changes - For Q4 2021, the company reported net income of $25.8 million, or $1.02 per diluted share, with a $0.23 drag on reported EPS due to the Strategic Equity Grant [6][7][34] - TriumphPay processed approximately 4 million invoices, paying over 120,000 distinct carriers, a 70% increase compared to Q4 2020 [7][18] - Total payments processed by TriumphPay reached approximately $5.2 billion, a 25% increase over the prior quarter and a 173% increase from Q4 2020 [8] Business Line Data and Key Metrics Changes - Triumph Business Capital had average purchases per day exceeding $60 million, with a dollar volume of invoices purchased at $4.03 billion, a 63.8% increase over Q4 2020 [19] - Average transportation invoice prices were $2,291 for the quarter, with Triumph Business Capital purchasing approximately 1.7 million invoices, an 8.7% increase from the prior quarter [20] - Triumph Business Capital ended the quarter with $1.55 billion in accounts receivable, a 49.2% increase over Q4 2020 [21] Market Data and Key Metrics Changes - The company noted strong transportation demand and invoice prices expected to continue through the first half of 2022, with some economists predicting a return to normal in 2023 [22][23] - The company added over 12,000 new registered carriers in Q4, bringing the total to over 91,000, a 15.3% increase for the quarter and a 72% increase over Q4 2020 [18] Company Strategy and Development Direction - The company aims to revolutionize payments in the trucking industry, investing heavily to ensure success in reaching its goals [27][28] - The company plans to integrate Triumph Business Capital into TriumphPay in the first half of 2022, enhancing its payment network [11] - The company is focused on creating a network effect by engaging all market participants, including brokers, carriers, factors, and shippers [15] Management's Comments on Operating Environment and Future Outlook - Management expressed caution regarding 2022 earnings estimates due to rising wages and technology hiring pressures, expecting expenses for Q1 to be approximately $80 million [24][26] - The company anticipates that 2022 will be another strong year for Triumph Business Capital and TriumphPay, despite potential market fluctuations [23][29] - Management highlighted the importance of long-term value creation over short-term profitability, indicating that 2023 will be a year of meaningful revenue growth for TriumphPay [56] Other Important Information - The Strategic Equity Grant (SEG) was designed to incentivize key members to prioritize growth in transportation businesses, with an estimated total 3-year expense of $11.5 million [34] - The company expects to record an additional $1 million of compensation expense each quarter of 2022 for the SEG [35] Q&A Session Summary Question: Is the SEG based on reported EPS or adjusted EPS? - The SEG is based on reported fully diluted earnings per share [39] Question: Update on the payments platform's profitability and fee structure? - The long-term target for fees associated with the TriumphPay platform is expected to be above 20 basis points [44] Question: What is the outlook for expenses in 2022? - The company expects significant expense growth due to technology investments and hiring pressures [45][47] Question: Update on the litigation with USPS? - The company remains confident in recovering 100% of misdirected funds, with hopes for resolution within the year [79] Question: What is the current average invoice size and its implications? - The average invoice size remains strong at $2,454, with expectations for continued strength in pricing [99][100]

Triumph Bancorp, Inc. (TBK) Q3 2021 Earnings Conference Call October 20, 2021 8:00 AM ET Company Participants Luke Wyse - Senior Vice President, Finance and Investor Relations Aaron Graft - Vice Chairman and Chief Executive Officer Brad Voss - CFO Todd Ritterbusch - Chief Lending Officer Geoff Brenner - Chief Executive Officer-Triumph Business Capital Ed Schreyer - President and COO of TriumphPay Conference Call Participants Brad Milsaps - Piper Sandler Michael Rose - Raymond James Brady Gailey - KBW Steve ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________ FORM 10-Q ___________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commissi ...

Triumph Bancorp, Inc. (TBK) Q2 2021 Earnings Conference Call July 22, 2021 8:00 AM ET Company Participants Luke Wyse – Senior Vice President, Finance and Investor Relations Aaron Graft – Vice Chairman and Chief Executive Officer Todd Ritterbusch – Chief Lending Officer Geoff Brenner – Chief Executive Officer-Triumph Business Capital Conference Call Participants Jared Shaw – Wells Fargo Securities Michael Rose – Raymond James Brad Milsaps – Piper Sandler Gary Tenner – D.A. Davidson Brady Gailey – KBW Tom Wen ...

businesses HELPING customers HELPING communities HELPING team members HELPING people HELPING TRIUMPH TRIUMPH TRIUMPH TRIUMPH TRIUMPH July 21, 2021 Q2 2021 Earnings Release ╬TRIUMPH DISCLAIMER FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can identify forward-looking statements by the ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________ FORM 10-Q ___________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Commission Fi ...

Triumph Bancorp, Inc. (TBK) Q1 2021 Earnings Conference Call April 22, 2021 8:00 AM ET Company Participants Luke Wyse - SVP of Finance and IR Aaron Graft - Vice Chairman and CEO Todd Ritterbusch - CLO Bryce Fowler - CFO Geoff Brenner - CEO -Triumph Business Capital Conference Call Participants Brad Milsaps - Piper Sandler Michael Rose - Raymond James Steve Moss - B. Riley FBR Gary Tenner - D.A. Davidson Brady Gailey - KBW Jared Shaw - Wells Fargo Securities Operator Good morning, and welcome to the Triumph ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________ FORM 10-Q ___________________________________________________________ ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to _______ Texas 20-047 ...