Independent Bank (IBTX) - 2023 Q4 - Earnings Call Presentation

As of December 31, 2023: 87% C&D / Bank Regulatory Capital $2.2 Million Average Loan Size1 34.2% Owner Occupied C&D Loans1 Commercial Real Estate $8.3 Billion CRE Loans $1.7 Million Average CRE Loan Size NASDAQ: IBTX 12 RETAIL CRE & C&D COMPOSITION LOANS > $500 THOUSAND 12/31/2023 (1) Includes loans held for sale 9 5.61% 2023 YTD Loan Yield $14,161 Million LHFI 1 0.01% NCOs/Avg. Total Loans 2023 Q4 Annualized NASDAQ: IBTX 10 Adjusted Efficiency Ratio Trends (1) LOAN COMPOSITION (12/31/2023) 18 Branch Deposi ...