C A G N Y 2 0 2 6 Market and Industry Data: The market and industry data used, if any, in this presentation, are based on independent industry publications, customers, trade or business organizations, reports by market research firms and other published statistical information from third parties , including Circana (formerly Information Resources, Inc.) for U.S. market data and Beer Canada for Canadian market data (collectively, the Third Party Information"), as well as information based on management's goo ...

Financial Highlights - Total assets reached $35 billion as of June 30, 2025[10] - Total loans amounted to $28 billion[10] - Total deposits were $29 billion[10] - Net interest margin (NIM) increased to 404% in Q2 2025[14] - Return on average assets (ROA) was 131% in Q2 2025[14] Loan Portfolio - Total loans reached $28 billion with a YTD annualized growth rate of 3%[30] - Houston market experienced an 18% annualized growth rate YTD[30] - Commercial Real Estate Owner Occupied (CRE OOO) loans constitute 26% of the total loan portfolio[29] - Commercial & Industrial (C&I) loans make up 153% of the total loans[41] Deposits - Total deposits reached $2908234 thousand in Q2 2025[71] - Non-interest bearing deposits represent 27% of the total deposit composition[72] - The annualized deposit growth rate for 2025 is 9%[72]