| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
The actual capital amounts and ratios for the Company and TBK Bank are presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Actual | | Minimum for Capital
Adequacy Purposes | | To Be Well
Capitalized Under
Prompt Corrective
Action Provisions | | (Dollars in thousands) | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | As of December 31, 2025 | | | | | | | | | | | | | Total capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $709,842 | | 12.7% | | $446,691 | | 8.0% | | N/A | | N/A | | TBK Bank, SSB | | $694,230 | | 12.5% | | $445,538 | | 8.0% | | $556,922 | | 10.0% | | | | | | | | | | | | | | Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $599,481 | | 10.7% | | $335,018 | | 6.0% | | N/A | | N/A | | TBK Bank, SSB | | $655,376 | | 11.8% | | $334,153 | | 6.0% | | $445,538 | | 8.0% | | | | | | | | | | | | | | Common equity Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $511,490 | | 9.2% | | $251,263 | | 4.5% | | N/A | | N/A | | TBK Bank, SSB | | $655,376 | | 11.8% | | $250,615 | | 4.5% | | $361,999 | | 6.5% | | | | | | | | | | | | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $599,481 | | 9.9% | | $243,240 | | 4.0% | | N/A | | N/A | | TBK Bank, SSB | | $655,376 | | 10.8% | | $243,123 | | 4.0% | | $303,904 | | 5.0% | | | | | | | | | | | | | | | As of December 31, 2024 | | | | | | | | | | | | | Total capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $802,192 | | 15.2% | | $421,400 | | 8.0% | | N/A | | N/A | | TBK Bank, SSB | | $784,157 | | 15.0% | | $419,480 | | 8.0% | | $524,350 | | 10.0% | | | | | | | | | | | | | | Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $688,025 | | 13.1% | | $316,050 | | 6.0% | | N/A | | N/A | | TBK Bank, SSB | | $742,989 | | 14.2% | | $314,610 | | 6.0% | | $419,480 | | 8.0% | | | | | | | | | | | | | | Common equity Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $600,673 | | 11.4% | | $237,037 | | 4.5% | | N/A | | N/A | | TBK Bank, SSB | | $742,989 | | 14.2% | | $235,957 | | 4.5% | | $340,827 | | 6.5% | | | | | | | | | | | | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $688,025 | | 12.0% | | $228,843 | | 4.0% | | N/A | | N/A | | TBK Bank, SSB | | $742,989 | | 13.0% | | $228,726 | | 4.0% | | $285,907 | | 5.0% |
|