Burnet, TX · Cert 11557
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Killeen-Temple, TX · 2026 SOD (annual) · 0.8% share · #17 of 23 inst. · $0.1B of $7.0B
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 | 0.76% | 0.81% | 0.88% | 1.06% | 1.10% | 1.16% | 1.16% | 1.27% | +21 bps | |
| Return on Equity | 9.19% | 9.67% | 9.71% | 11.34% | 11.34% | 11.69% | 10.85% | 11.73% | +39 bps | |
| Net Interest Margin | 2.87% | 2.90% | 3.18% | 3.18% | 3.31% | 3.36% | 3.63% | 3.72% | +54 bps | |
| Efficiency Ratio | 69.48% | 68.11% | 67.10% | 61.14% | 61.27% | 60.05% | 56.09% | 56.38% | -476 bps | |
| Non-Interest Burden | 1.93% | 1.90% | 2.06% | 1.86% | 1.94% | 1.93% | 1.93% | 2.00% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.16% | -1.05% | 5.69% | 6.69% | 7.17% | 9.71% | 1.65% | 2.85% | -384 bps | |
| Loan Growth (YoY) | 7.44% | 21.80% | 24.06% | 24.03% | 30.02% | 32.33% | 28.52% | 20.00% | -403 bps | |
| Deposit Growth (YoY) | -2.90% | -2.62% | 3.96% | 4.60% | 6.05% | 5.89% | -0.16% | 1.46% | -315 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0.13% | +12 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.01% | 0.00% | 0.01% | 0.01% | 0.05% | 0.02% | +2 bps | |
| Allowance / Loans | 1.06% | 0.99% | 0.93% | 0.90% | 0.82% | 0.77% | 0.83% | 0.88% | -2 bps | |
| Allowance Coverage of NPLs | n/a | 269.6x | 122.2x | 54.0x | 191.4x | 277.6x | 308.0x | 6.6x | -47.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.54% | 12.47% | 12.34% | 12.03% | 12.25% | 12.30% | 12.47% | 12.53% | +51 bps | |
| Total Risk-Based Capital | 12.54% | 12.47% | 12.34% | 12.03% | 12.25% | 12.30% | 12.47% | 12.53% | +51 bps | |
| Equity / Assets | 9.74% | 9.14% | 8.95% | 9.84% | 10.67% | 10.78% | 10.55% | 11.05% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.58% | 50.91% | 48.81% | 52.60% | 58.34% | 63.62% | 62.83% | 62.21% | +961 bps | |
| Liquid Assets / Assets | 1.40% | 2.18% | 10.91% | 4.40% | 0.95% | 0.09% | 5.82% | 3.13% | -127 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 218% | 233% | n/a | n/a | |