| 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. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands) | | Actual | | Minimum for Capital
Adequacy Purposes | | To Be Well
Capitalized Under
Prompt Corrective
Action Provisions | | September 30, 2026 | | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | | Total capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $ | 751,186 | | | 12.1% | | $ | 495,833 | | | 8.0% | | N/A | | N/A | | TBK Bank, SSB | | $ | 735,512 | | | 11.9% | | $ | 495,273 | | | 8.0% | | $ | 619,091 | | | 10.0% | | | | | | | | | | | | | | | Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $ | 652,040 | | | 10.5% | | $ | 371,875 | | | 6.0% | | N/A | | N/A | | TBK Bank, SSB | | $ | 694,854 | | | 11.2% | | $ | 371,454 | | | 6.0% | | $ | 495,273 | | | 8.0% | | | | | | | | | | | | | | | Common equity Tier 1 capital (to risk weighted assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $ | 563,549 | | | 9.1% | | $ | 278,906 | | | 4.5% | | N/A | | N/A | | TBK Bank, SSB | | $ | 694,854 | | | 11.2% | | $ | 278,591 | | | 4.5% | | $ | 402,409 | | | 6.5% | | | | | | | | | | | | | | | Tier 1 capital (to average assets) | | | | | | | | | | | | | | Triumph Financial, Inc. | | $ | 652,040 | | | 8.9% | | $ | 293,412 | | | 4.0% | | N/A | | N/A | | TBK Bank, SSB | | $ | 694,854 | | | 9.5% | | $ | 293,118 | | | 4.0% | | $ | 366,397 | | | 5.0% | | | | | | | | | | | | | | | 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% |
|