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 (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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.23% | 2.12% | 2.19% | 2.27% | 2.31% | 2.30% | 2.26% | 2.27% | 0 bps | |
| Return on Equity | 13.30% | 12.56% | 12.84% | 13.33% | 13.49% | 13.37% | 12.96% | 13.00% | -33 bps | |
| Net Interest Margin | 4.28% | 4.25% | 4.35% | 4.38% | 4.31% | 4.17% | 4.28% | 4.33% | -5 bps | |
| Efficiency Ratio | 38.23% | 41.87% | 38.89% | 37.62% | 36.33% | 38.45% | 36.05% | 36.11% | -150 bps | |
| Non-Interest Burden | 1.51% | 1.66% | 1.56% | 1.52% | 1.44% | 1.49% | 1.43% | 1.45% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.44% | 5.36% | 9.58% | 9.45% | 8.23% | 9.75% | 8.45% | 7.59% | -186 bps | |
| Loan Growth (YoY) | 0.79% | 2.18% | 1.80% | 3.46% | 6.25% | 3.61% | 5.19% | 7.58% | +412 bps | |
| Deposit Growth (YoY) | 3.24% | 4.42% | 9.42% | 9.23% | 7.70% | 9.33% | 7.88% | 7.04% | -219 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.56% | 0.55% | 0.53% | 0.50% | 0.10% | 0.00% | 0.02% | -51 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.90% | 0.88% | 0.87% | 0.86% | 0.85% | 0.85% | 0.83% | 0.81% | -6 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.6x | 1.6x | 1.7x | 8.6x | 700.0x | 38.9x | +37.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.05% | 17.21% | 17.18% | 17.24% | 17.44% | 16.88% | 17.35% | 17.62% | +39 bps | |
| Total Risk-Based Capital | 27.77% | 27.86% | 28.28% | 28.79% | 29.08% | 30.18% | 29.55% | 28.92% | +13 bps | |
| Equity / Assets | 16.78% | 17.28% | 16.82% | 17.05% | 17.21% | 17.63% | 17.27% | 17.48% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.50% | 78.92% | 75.84% | 75.60% | 75.48% | 74.79% | 73.95% | 75.98% | +38 bps | |
| Liquid Assets / Assets | 35.28% | 33.38% | 35.42% | 35.97% | 36.41% | 37.01% | 37.19% | 35.88% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 30.27% | 28.48% | 28.89% | n/a | n/a | |