Cross Plains, TX · Cert 11903
FDIC · 3 branches
Q3 2025
Market Position · San Antonio-New Braunfels, TX · 2025 SOD (annual) · 0.1% share · #36 of 68 inst. · $0.1B of $174.9B
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.08% | -2.03% | -0.34% | 0.21% | -29 bps | |
| Return on Equity | 5.54% | 0.81% | -18.35% | -2.94% | 1.82% | -373 bps | |
| Net Interest Margin | 3.72% | 3.98% | 4.34% | 4.50% | 4.73% | +101 bps | |
| Efficiency Ratio | 74.67% | 73.10% | 68.57% | 71.05% | 70.31% | -436 bps | |
| Non-Interest Burden | 2.68% | 2.80% | 2.77% | 3.00% | 3.12% | +44 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.01% | -4.85% | -5.07% | -1.97% | 2.46% | +145 bps | |
| Loan Growth (YoY) | 13.76% | 9.08% | 9.66% | 1.64% | 2.17% | -1,158 bps | |
| Deposit Growth (YoY) | -0.89% | -0.46% | 1.20% | 4.87% | 6.21% | +710 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.11% | 0.08% | 0.19% | 0.07% | -6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.02% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.09% | 1.10% | 1.11% | +7 bps | |
| Allowance Coverage of NPLs | 7.7x | 9.6x | 13.0x | 5.9x | 15.8x | +8.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.78% | 9.85% | 9.45% | 9.60% | 9.94% | +15 bps | |
| Total Risk-Based Capital | 15.40% | 15.54% | 14.49% | 15.20% | 15.22% | -18 bps | |
| Equity / Assets | 9.52% | 10.12% | 12.00% | 12.33% | 12.35% | +283 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.94% | 85.76% | 84.08% | 83.16% | 84.60% | -334 bps | |
| Liquid Assets / Assets | 18.37% | 21.24% | 21.81% | 22.48% | 21.79% | +342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 478% | n/a | n/a |