Farwell, TX · Cert 11907
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.28% | 2.18% | 1.69% | 2.84% | 2.24% | -4 bps | |
| Return on Equity | 17.60% | 16.55% | 12.92% | 21.38% | 16.43% | -117 bps | |
| Net Interest Margin | 3.84% | 3.83% | 3.87% | 4.00% | 4.03% | +19 bps | |
| Efficiency Ratio | 33.07% | 33.90% | 47.01% | 30.17% | 35.12% | +205 bps | |
| Non-Interest Burden | 0.71% | 0.91% | 1.57% | 0.00% | 0.81% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.25% | 12.76% | 10.66% | 6.79% | 4.87% | -1,338 bps | |
| Loan Growth (YoY) | 33.22% | 24.18% | 19.70% | 16.91% | 15.84% | -1,738 bps | |
| Deposit Growth (YoY) | 18.01% | 12.69% | 10.28% | 5.80% | 3.64% | -1,437 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.03% | 0.03% | 0.03% | 0.03% | -7 bps | |
| Net Charge-Offs / Loans | 0.91% | 0.62% | 0.42% | 0.00% | 0.00% | -91 bps | |
| Allowance / Loans | 0.86% | 0.87% | 0.87% | 0.94% | 1.04% | +18 bps | |
| Allowance Coverage of NPLs | 8.9x | 25.5x | 29.8x | 33.0x | 33.6x | +24.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.71% | 14.01% | 13.19% | 14.04% | 14.61% | +91 bps | |
| Total Risk-Based Capital | 13.71% | 14.01% | 13.19% | 14.04% | 14.61% | +91 bps | |
| Equity / Assets | 13.37% | 13.64% | 12.70% | 13.92% | 14.36% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.24% | 82.92% | 88.25% | 93.37% | 93.03% | +980 bps | |
| Liquid Assets / Assets | 10.88% | 7.33% | 12.83% | 7.44% | 7.33% | -356 bps | |
| CRE / Total Capital | n/a | 50.92% | 50.73% | 49.69% | n/a | n/a | |