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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.69% | 0.71% | 0.11% | -1.62% | -2.03% | 1.04% | 1.14% | +104 bps | |
| Return on Equity | 7.65% | 7.64% | 7.95% | 1.16% | -16.48% | -18.35% | 8.56% | 9.27% | +811 bps | |
| Net Interest Margin | 3.62% | 3.56% | 3.62% | 3.96% | 4.23% | 4.34% | 4.80% | 5.31% | +135 bps | |
| Efficiency Ratio | 78.15% | 77.11% | 76.25% | 70.98% | 68.72% | 68.57% | 73.23% | 69.05% | -192 bps | |
| Non-Interest Burden | 2.74% | 2.66% | 2.67% | 2.70% | 2.78% | 2.77% | 3.30% | 3.43% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 4.50% | 2.42% | 1.01% | -4.85% | -5.07% | -1.97% | 2.46% | +145 bps | |
| Loan Growth (YoY) | 12.86% | 8.96% | 12.39% | 13.76% | 9.08% | 9.66% | 1.64% | 2.17% | -1,158 bps | |
| Deposit Growth (YoY) | -1.19% | -5.05% | -7.35% | -0.89% | -0.46% | 1.20% | 4.87% | 6.21% | +710 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.25% | 0.24% | 0.13% | 0.11% | 0.08% | 0.19% | 0.07% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 0.01% | 0.01% | -0.01% | 0.02% | 0.04% | 0.01% | 0 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.03% | 1.04% | 1.06% | 1.09% | 1.10% | 1.11% | +7 bps | |
| Allowance Coverage of NPLs | 4.3x | 4.5x | 4.2x | 7.7x | 9.6x | 13.0x | 5.9x | 15.8x | +8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 9.97% | 9.95% | 9.78% | 9.85% | 9.45% | 9.60% | 9.94% | +15 bps | |
| Total Risk-Based Capital | 17.32% | 16.77% | 15.86% | 15.40% | 15.54% | 14.49% | 15.20% | 15.22% | -18 bps | |
| Equity / Assets | 9.28% | 8.82% | 8.99% | 9.52% | 10.12% | 12.00% | 12.33% | 12.35% | +283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.26% | 77.60% | 85.80% | 87.94% | 85.76% | 84.08% | 83.16% | 84.60% | -334 bps | |
| Liquid Assets / Assets | 16.21% | 18.99% | 14.72% | 18.37% | 21.24% | 21.81% | 22.48% | 21.79% | +342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 478% | n/a | n/a |