Oakwood, TX · Cert 10334
FDIC · 6 branches
Q3 2024
Market Position · Dallas-Fort Worth-Arlington, TX · 2024 SOD (annual) · 0.1% share · #59 of 172 inst. · $0.6B of $654.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.26% | 0.58% | 0.31% | 0.34% | 0.66% | 0.81% | -3.48% | -380 bps | |
| Return on Equity | 12.77% | 11.70% | 5.22% | 2.84% | 3.11% | 6.12% | 7.39% | -33.80% | -3,664 bps | |
| Net Interest Margin | 4.20% | 4.11% | 3.79% | 3.66% | 3.35% | 3.28% | 3.37% | 3.32% | -34 bps | |
| Efficiency Ratio | 54.69% | 57.86% | 68.61% | 76.97% | 69.65% | 71.87% | 68.65% | 192.66% | +11,569 bps | |
| Non-Interest Burden | 2.22% | 2.30% | 2.54% | 2.77% | 2.24% | 2.31% | 2.26% | 6.51% | +374 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.81% | 5.12% | 10.19% | 5.28% | 4.47% | 4.13% | 6.40% | 4.42% | -86 bps | |
| Loan Growth (YoY) | 22.06% | 21.01% | 4.60% | 3.10% | -2.39% | 2.41% | 9.06% | 5.61% | +251 bps | |
| Deposit Growth (YoY) | 3.55% | 0.04% | 9.98% | 8.61% | 14.34% | 8.76% | 7.04% | 3.63% | -497 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.63% | 1.43% | 0.95% | 0.62% | 0.55% | 0.49% | 0.00% | -95 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 1.24% | 1.22% | 0.03% | 0.00% | 1.36% | +12 bps | |
| Allowance / Loans | 0.72% | 0.77% | 0.94% | 0.74% | 0.65% | 0.67% | 0.66% | 0.68% | -5 bps | |
| Allowance Coverage of NPLs | n/a | 1.2x | 0.7x | 0.8x | 1.1x | 1.2x | 1.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.41% | 10.50% | 10.60% | 10.53% | 10.18% | 10.34% | 10.52% | 8.76% | -178 bps | |
| Total Risk-Based Capital | 10.74% | 11.17% | 11.79% | 11.52% | 11.73% | 11.81% | 11.63% | 10.24% | -128 bps | |
| Equity / Assets | 10.66% | 10.92% | 11.15% | 10.83% | 10.76% | 10.98% | 11.05% | 9.57% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.66% | 98.69% | 94.40% | 92.68% | 89.34% | 92.93% | 96.18% | 94.44% | +177 bps | |
| Liquid Assets / Assets | 9.66% | 10.78% | 11.38% | 12.54% | 15.38% | 12.04% | 9.59% | 11.68% | -87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |