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 |