Buckholts, TX · Cert 11916
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Killeen-Temple, TX · 2026 SOD (annual) · 0.6% share · #19 of 23 inst. · $0.0B of $7.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.35% | 2.37% | 2.26% | 2.26% | 2.27% | -8 bps | |
| Return on Equity | 13.86% | 13.86% | 12.95% | 12.96% | 13.07% | -79 bps | |
| Net Interest Margin | 4.51% | 4.37% | 4.68% | 4.28% | 4.39% | -12 bps | |
| Efficiency Ratio | 36.41% | 33.80% | 43.93% | 36.05% | 36.18% | -23 bps | |
| Non-Interest Burden | 1.51% | 1.34% | 1.96% | 1.43% | 1.48% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.45% | 8.23% | 9.75% | 8.45% | 7.59% | -186 bps | |
| Loan Growth (YoY) | 3.46% | 6.25% | 3.61% | 5.19% | 7.58% | +412 bps | |
| Deposit Growth (YoY) | 9.23% | 7.70% | 9.33% | 7.88% | 7.04% | -219 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.50% | 0.10% | 0.00% | 0.02% | -51 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.85% | 0.85% | 0.83% | 0.81% | -6 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 8.6x | 700.0x | 38.9x | +37.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.24% | 17.44% | 16.88% | 17.35% | 17.62% | +39 bps | |
| Total Risk-Based Capital | 28.79% | 29.08% | 30.18% | 29.55% | 28.92% | +13 bps | |
| Equity / Assets | 17.05% | 17.21% | 17.63% | 17.27% | 17.48% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.60% | 75.48% | 74.79% | 73.95% | 75.98% | +38 bps | |
| Liquid Assets / Assets | 35.97% | 36.41% | 37.01% | 37.19% | 35.88% | -8 bps | |
| CRE / Total Capital | n/a | 30.27% | 28.48% | 28.89% | n/a | n/a | |