Georgetown, TX · Cert 11935 · First Texas Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.1% share · #14 of 73 inst. · $0.8B of $70.4B
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 | 1.12% | 1.58% | 1.28% | 1.34% | 1.45% | 1.54% | 1.78% | 1.85% | +51 bps | |
| Return on Equity | 10.87% | 15.08% | 11.94% | 12.52% | 13.61% | 14.37% | 16.18% | 16.84% | +432 bps | |
| Net Interest Margin | 2.57% | 2.80% | 2.92% | 2.98% | 3.10% | 3.20% | 3.54% | 3.63% | +65 bps | |
| Efficiency Ratio | 50.91% | 52.39% | 50.04% | 48.42% | 45.95% | 44.42% | 42.09% | 41.11% | -731 bps | |
| Non-Interest Burden | 1.16% | 1.31% | 1.29% | 1.27% | 1.25% | 1.24% | 1.28% | 1.27% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.85% | 49.38% | 47.86% | 49.23% | 54.47% | 1.13% | 1.07% | -0.53% | -4,975 bps | |
| Loan Growth (YoY) | 4.63% | 66.41% | 66.06% | 69.54% | 75.74% | 13.26% | 10.48% | 4.04% | -6,551 bps | |
| Deposit Growth (YoY) | 0.48% | 50.40% | 53.44% | 48.36% | 54.37% | 0.80% | 0.83% | -0.90% | -4,926 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.02% | 1.08% | 0.02% | 0.06% | 0.06% | 0.58% | -50 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.52% | 0.50% | 0.49% | 0.49% | 0.48% | 0.49% | 0.50% | 0.50% | +1 bps | |
| Allowance Coverage of NPLs | 57.1x | n/a | 20.3x | 0.5x | 22.6x | 7.8x | 8.0x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.60% | 10.83% | 10.96% | 10.90% | 10.83% | 10.92% | 11.14% | 11.25% | +35 bps | |
| Total Risk-Based Capital | 20.14% | 20.46% | 20.67% | 19.95% | 19.54% | 19.85% | 20.16% | 20.89% | +94 bps | |
| Equity / Assets | 10.62% | 10.77% | 10.66% | 10.69% | 10.53% | 11.09% | 10.86% | 11.05% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.49% | 45.70% | 45.37% | 47.10% | 48.38% | 51.35% | 49.71% | 49.45% | +235 bps | |
| Liquid Assets / Assets | 54.98% | 51.02% | 51.53% | 49.68% | 48.66% | 45.98% | 47.32% | 46.54% | -314 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 285% | 290% | n/a | n/a | |