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 | |