Mount Pleasant, TX · Cert 1208
FDIC · 34 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=300). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
42
Profitability
50
Liquidity
72
Efficiency
22
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Mount Pleasant, TX · Cert 1208
FDIC · 34 branches
Q3 2025
Market Position · Dallas-Fort Worth-Arlington, TX · 2025 SOD (annual) · 0.1% share · #63 of 169 inst. · $0.6B of $665.0B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.95% | 0.99% | 1.01% | 1.10% | 1.20% | 1.29% | 0.98% | -3 bps | |
| Return on Equity | 9.56% | 8.66% | 8.91% | 8.98% | 9.73% | 10.48% | 11.21% | 8.58% | -41 bps | |
| Net Interest Margin | 3.12% | 3.05% | 3.11% | 3.20% | 3.22% | 3.52% | 3.55% | 3.60% | +40 bps | |
| Efficiency Ratio | 65.68% | 68.73% | 68.91% | 68.50% | 66.12% | 64.31% | 61.90% | 71.19% | +269 bps | |
| Non-Interest Burden | 1.80% | 1.88% | 1.94% | 1.98% | 1.89% | 2.02% | 1.93% | 2.35% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.01% | -6.85% | -3.92% | -4.15% | -2.18% | 0.81% | 2.02% | 0.46% | +461 bps | |
| Loan Growth (YoY) | -2.38% | -4.71% | -5.06% | -7.88% | -8.26% | -6.96% | -3.35% | 0.63% | +851 bps | |
| Deposit Growth (YoY) | -1.93% | 0.43% | 0.86% | 0.59% | 2.19% | 2.89% | 3.50% | 1.43% | +84 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.27% | 0.28% | 0.24% | 0.17% | 0.23% | 0.48% | 0.75% | +51 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.04% | 0.03% | 0 bps | |
| Allowance / Loans | 1.33% | 1.35% | 1.32% | 1.34% | 1.33% | 1.32% | 1.29% | 1.28% | -6 bps | |
| Allowance Coverage of NPLs | 5.5x | 5.0x | 4.7x | 5.6x | 7.6x | 5.9x | 2.7x | 1.7x | -3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.78% | 10.63% | 11.05% | 11.24% | 11.37% | 11.26% | 11.35% | 10.56% | -68 bps | |
| Total Risk-Based Capital | 15.49% | 15.37% | 16.07% | 16.41% | 17.04% | 16.84% | 16.96% | 16.06% | -35 bps | |
| Equity / Assets | 11.04% | 10.95% | 11.42% | 11.52% | 11.53% | 11.36% | 11.56% | 11.11% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.11% | 85.89% | 84.34% | 79.86% | 79.10% | 77.67% | 78.75% | 79.23% | -63 bps | |
| Liquid Assets / Assets | 12.87% | 11.80% | 11.46% | 11.18% | 10.88% | 9.82% | 9.06% | 12.88% | +170 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 363% | n/a | n/a |
Mount Pleasant, TX · Cert 1208 · Peer group: banks $1B-$10B in assets operating in a single state (n=300)
FDIC · 34 branches
Q3 2025
Return on Assets
0.98%
Rank 171 of 300
Net Interest Margin
3.60%
Rank 86 of 300
Efficiency Ratio
71.43%
Rank 235 of 300
Equity / Assets
11.11%
Rank 103 of 300
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.77% | 1.06% | 1.38% | Beats 43% | 171 / 300 | ||
| Return on Equity | 8.85% | 7.55% | 10.62% | 13.50% | Beats 36% | 193 / 300 | ||
| Net Interest Margin | 3.60% | 2.87% | 3.23% | 3.70% | Beats 71% | 86 / 300 | ||
| Efficiency Ratio | 71.43% | 53.29% | 62.72% | 70.47% | Beats 22% | 235 / 300 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.75% | 0.17% | 0.39% | 0.80% | Beats 27% | 220 / 300 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.12% | Beats 57% | 131 / 300 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.82% | 11.71% | 13.33% | 14.99% | Beats 72% | 83 / 300 | ||
| Total Risk-Based Capital Ratio | 16.06% | 12.39% | 14.25% | 16.08% | Beats 74% | 77 / 300 | ||
| Equity / Assets | 11.11% | 8.96% | 10.02% | 11.69% | Beats 66% | 103 / 300 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.23% | 73.76% | 85.63% | 95.78% | 36th pctl | 193 / 300 | ||
| Loans / Assets | 69.19% | 64.08% | 72.41% | 78.88% | 39th pctl | 182 / 300 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | 1.56% | 7.51% | Beats 100% | 110 / 300 | n/a | |