Nacogdoches, TX · Cert 1209 · Nacogdoches Coml Bancshares
National charter · OCC · 24 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #106 of 166 inst. · $0.2B of $732.8B
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 | 1.28% | 1.30% | 1.31% | 1.41% | 1.46% | 1.48% | 1.64% | 1.62% | +21 bps | |
| Return on Equity | 15.17% | 15.34% | 14.96% | 15.99% | 16.20% | 16.05% | 16.66% | 16.27% | +28 bps | |
| Net Interest Margin | 3.29% | 3.31% | 3.59% | 3.64% | 3.58% | 3.66% | 4.03% | 4.03% | +39 bps | |
| Efficiency Ratio | 61.92% | 61.87% | 61.72% | 59.32% | 56.80% | 56.84% | 55.15% | 55.54% | -377 bps | |
| Non-Interest Burden | 1.67% | 1.68% | 1.85% | 1.76% | 1.56% | 1.63% | 1.76% | 1.79% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.42% | 10.27% | 7.93% | 11.23% | 11.01% | 9.60% | 11.03% | 5.80% | -543 bps | |
| Loan Growth (YoY) | 10.27% | 9.28% | 10.50% | 8.66% | 9.87% | 11.20% | 11.10% | 11.70% | +303 bps | |
| Deposit Growth (YoY) | 8.49% | 9.90% | 6.93% | 10.49% | 10.28% | 7.92% | 9.82% | 4.31% | -618 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.13% | 0.20% | 0.12% | 0.14% | 0.13% | 0.13% | 0.14% | +2 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.02% | 0.03% | 0.04% | 0.05% | 0.06% | 0.11% | +8 bps | |
| Allowance / Loans | 1.56% | 1.52% | 1.48% | 1.51% | 1.51% | 1.50% | 1.50% | 1.50% | -1 bps | |
| Allowance Coverage of NPLs | 14.3x | 11.3x | 7.3x | 12.6x | 10.6x | 11.6x | 11.8x | 10.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.94% | 9.75% | 10.05% | 10.06% | 9.99% | 10.22% | 10.39% | 10.60% | +54 bps | |
| Total Risk-Based Capital | 16.31% | 15.97% | 15.91% | 16.36% | 16.72% | 16.61% | 16.61% | 16.69% | +33 bps | |
| Equity / Assets | 8.95% | 8.64% | 8.88% | 9.00% | 9.46% | 9.93% | 9.75% | 10.18% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.79% | 74.00% | 74.49% | 73.02% | 72.52% | 76.25% | 75.35% | 78.20% | +517 bps | |
| Liquid Assets / Assets | 8.36% | 7.28% | 8.88% | 9.62% | 7.64% | 5.76% | 8.30% | 4.64% | -498 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 316% | 322% | 327% | n/a | n/a | |