Tupelo, MS · Cert 11813
FDIC · 371 branches
Q4 2025
Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 1.8% share · #7 of 109 inst. · $6.3B of $348.4B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.05% | 1.07% | 1.08% | 1.12% | 1.11% | 1.07% | 1.08% | 0 bps | |
| Return on Equity | 9.03% | 9.76% | 9.83% | 9.77% | 9.44% | 9.34% | 9.11% | 9.22% | -55 bps | |
| Net Interest Margin | 2.93% | 2.97% | 3.02% | 3.08% | 3.12% | 3.04% | 2.91% | 3.06% | -2 bps | |
| Efficiency Ratio | 59.16% | 57.17% | 57.06% | 57.31% | 57.01% | 56.71% | 58.22% | 58.01% | +70 bps | |
| Non-Interest Burden | 1.44% | 1.36% | 1.39% | 1.43% | 1.45% | 1.39% | 1.41% | 1.47% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.54% | -1.75% | 1.41% | -3.91% | -1.18% | 4.99% | 8.29% | 13.85% | +1,776 bps | |
| Loan Growth (YoY) | 5.00% | 2.32% | 2.53% | 3.99% | 3.69% | 6.65% | 10.60% | 10.38% | +639 bps | |
| Deposit Growth (YoY) | -3.30% | -2.18% | 1.30% | 5.19% | 5.81% | 6.96% | 13.07% | 9.00% | +380 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.83% | 1.06% | 1.02% | 0.91% | 0.84% | 0.99% | 0.98% | -4 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.25% | 0.26% | 0.23% | 0.27% | 0.25% | 0.24% | 0.25% | +2 bps | |
| Allowance / Loans | 1.43% | 1.40% | 1.38% | 1.36% | 1.34% | 1.33% | 1.34% | 1.32% | -4 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.7x | 1.3x | 1.3x | 1.5x | 1.6x | 1.4x | 1.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.46% | 9.73% | 10.05% | 10.41% | 10.56% | 10.35% | 9.24% | 9.70% | -72 bps | |
| Total Risk-Based Capital | 14.49% | 14.23% | 14.46% | 13.97% | 14.12% | 13.79% | 13.09% | 13.28% | -69 bps | |
| Equity / Assets | 10.74% | 11.02% | 11.33% | 11.85% | 11.98% | 11.74% | 11.42% | 11.66% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.71% | 88.51% | 86.27% | 83.92% | 84.97% | 88.25% | 84.39% | 84.99% | +107 bps | |
| Liquid Assets / Assets | 5.40% | 4.34% | 7.08% | 2.35% | 2.07% | 1.63% | 1.97% | 2.66% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 309% | 306% | n/a | |