Shepherd, TX · Cert 10345 · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
65
Profitability
60
Liquidity
76
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Shepherd, TX · Cert 10345 · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #76 of 107 inst. · $0.1B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.11% | 1.22% | 1.12% | 0.84% | 1.01% | 1.40% | 1.36% | +24 bps | |
| Return on Equity | 19.49% | 18.15% | 17.53% | 15.70% | 11.36% | 13.46% | 16.86% | 16.12% | +41 bps | |
| Net Interest Margin | 3.58% | 3.62% | 3.50% | 3.63% | 3.56% | 3.62% | 3.93% | 3.94% | +32 bps | |
| Efficiency Ratio | 67.36% | 68.41% | 66.37% | 67.39% | 67.92% | 66.97% | 61.51% | 63.93% | -345 bps | |
| Non-Interest Burden | 2.19% | 2.26% | 2.10% | 2.22% | 2.20% | 2.21% | 2.15% | 2.27% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | -6.61% | 1.73% | 0.80% | 2.56% | 12.17% | 3.38% | 3.41% | +261 bps | |
| Loan Growth (YoY) | 12.93% | 15.57% | 25.78% | 24.87% | 24.71% | 24.16% | 20.36% | 13.41% | -1,146 bps | |
| Deposit Growth (YoY) | 3.26% | -8.26% | -0.10% | -7.50% | -6.31% | 4.87% | -1.31% | -0.73% | +677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 1.31% | 1.27% | 1.25% | +125 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.01% | 0.01% | 0.00% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.78% | 0.73% | 0.68% | 0.70% | 1.05% | 1.04% | 1.01% | 1.01% | +31 bps | |
| Allowance Coverage of NPLs | 11.5x | n/a | n/a | n/a | n/a | 0.8x | 0.8x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.20% | 9.86% | 10.34% | 10.02% | 10.16% | 10.36% | 10.66% | +33 bps | |
| Total Risk-Based Capital | 20.30% | 20.20% | 19.70% | 18.97% | 19.13% | 19.24% | 19.59% | 19.65% | +68 bps | |
| Equity / Assets | 7.25% | 6.82% | 7.12% | 7.52% | 8.05% | 8.04% | 8.54% | 8.76% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.71% | 50.34% | 51.01% | 59.58% | 63.51% | 59.61% | 62.21% | 68.06% | +848 bps | |
| Liquid Assets / Assets | 3.81% | 2.45% | 4.87% | 1.78% | 1.17% | 6.80% | 2.73% | 2.88% | +110 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 263% | 250% | n/a | n/a | |
Shepherd, TX · Cert 10345 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)
Q2 2026
Return on Assets
1.38%
Rank 8 of 21
Net Interest Margin
3.94%
Rank 12 of 21
Efficiency Ratio
63.93%
Rank 9 of 21
Equity / Assets
8.76%
Rank 19 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.77% | 1.16% | 1.46% | Beats 62% | 8 / 21 | ||
| Return on Equity | 15.74% | 6.66% | 8.42% | 15.66% | Beats 76% | 5 / 21 | ||
| Net Interest Margin | 3.94% | 3.50% | 3.97% | 4.41% | Beats 43% | 12 / 21 | ||
| Efficiency Ratio | 63.93% | 59.33% | 68.18% | 79.00% | Beats 62% | 9 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.01% | 0.37% | 1.25% | Beats 29% | 16 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.62% | 12.65% | 15.76% | 18.38% | Beats 76% | 5 / 21 | ||
| Total Risk-Based Capital Ratio | 19.65% | 12.65% | 16.68% | 19.63% | Beats 76% | 5 / 21 | ||
| Equity / Assets | 8.76% | 9.08% | 11.30% | 15.80% | Beats 10% | 19 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.06% | 64.96% | 78.30% | 90.30% | 29th pctl | 15 / 21 | ||
| Loans / Assets | 56.25% | 55.83% | 65.86% | 74.20% | 29th pctl | 15 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||