Dallas, TX · Cert 1210
FDIC · 12 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 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 in the Dallas-Fort Worth-Arlington, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
48
Profitability
67
Liquidity
52
Efficiency
81
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.
Dallas, TX · Cert 1210
FDIC · 12 branches
Q4 2025
Market Position · Dallas-Fort Worth-Arlington, TX · 2025 SOD (annual) · 0.2% share · #35 of 169 inst. · $1.5B 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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.11% | 1.12% | 1.18% | 1.53% | 1.36% | 1.33% | 1.33% | +14 bps | |
| Return on Equity | 9.58% | 10.43% | 10.55% | 11.25% | 14.44% | 12.52% | 12.07% | 11.83% | +59 bps | |
| Net Interest Margin | 3.72% | 3.81% | 3.78% | 3.60% | 3.61% | 3.84% | 3.84% | 3.77% | +18 bps | |
| Efficiency Ratio | 61.12% | 61.54% | 60.54% | 58.84% | 41.65% | 48.67% | 50.42% | 52.20% | -664 bps | |
| Non-Interest Burden | 2.17% | 2.27% | 2.21% | 2.02% | 0.12% | 1.21% | 1.49% | 1.64% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 38.32% | 16.52% | 21.18% | 15.62% | 8.13% | 8.36% | 5.34% | -2.22% | -1,784 bps | |
| Loan Growth (YoY) | 31.55% | 18.77% | 24.60% | 25.22% | 15.57% | 10.54% | 4.98% | 0.27% | -2,495 bps | |
| Deposit Growth (YoY) | 39.78% | 18.81% | 23.17% | 16.53% | 7.77% | 9.26% | 4.84% | -3.80% | -2,032 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.22% | 0.37% | 0.23% | 0.30% | 0.15% | 0.77% | 0.53% | +30 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.05% | 0.03% | 0.00% | 1.99% | 1.20% | 0.78% | 0.59% | +59 bps | |
| Allowance / Loans | 1.26% | 1.17% | 1.15% | 1.15% | 1.21% | 1.14% | 1.17% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 4.6x | 5.2x | 3.1x | 5.0x | 4.1x | 7.6x | 1.5x | 2.2x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 10.96% | 11.02% | 10.56% | 10.81% | 11.60% | 11.84% | 12.02% | +146 bps | |
| Total Risk-Based Capital | 15.53% | 14.59% | 14.13% | 14.21% | 15.63% | 15.76% | 16.00% | 16.13% | +192 bps | |
| Equity / Assets | 10.60% | 10.97% | 10.55% | 10.08% | 11.14% | 11.45% | 11.37% | 12.00% | +192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.12% | 86.40% | 85.71% | 84.69% | 87.00% | 87.41% | 85.83% | 88.28% | +358 bps | |
| Liquid Assets / Assets | 22.02% | 17.28% | 17.76% | 18.32% | 17.22% | 15.64% | 17.86% | 14.82% | -350 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 363% | 339% | n/a | |
Dallas, TX · Cert 1210 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=21)
FDIC · 12 branches
Q4 2025
Return on Assets
1.31%
Rank 7 of 21
Net Interest Margin
3.77%
Rank 4 of 21
Efficiency Ratio
52.68%
Rank 5 of 21
Equity / Assets
12.00%
Rank 9 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.89% | 0.94% | 1.40% | Beats 67% | 7 / 21 | ||
| Return on Equity | 10.91% | 7.19% | 9.98% | 12.10% | Beats 52% | 10 / 21 | ||
| Net Interest Margin | 3.77% | 2.47% | 3.21% | 3.47% | Beats 81% | 4 / 21 | ||
| Efficiency Ratio | 52.68% | 56.09% | 65.32% | 70.60% | Beats 81% | 5 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.06% | 0.40% | 0.87% | Beats 48% | 12 / 21 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.06% | 13.91% | 15.00% | 15.87% | Beats 52% | 10 / 21 | ||
| Total Risk-Based Capital Ratio | 16.13% | 14.69% | 15.70% | 16.92% | Beats 57% | 9 / 21 | ||
| Equity / Assets | 12.00% | 8.57% | 10.63% | 12.37% | Beats 57% | 9 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.28% | 64.42% | 76.75% | 88.28% | 71st pctl | 6 / 21 | ||
| Loans / Assets | 76.76% | 54.12% | 68.17% | 75.75% | 76th pctl | 5 / 21 | ||
| Brokered Deposits / Deposits | 8.95% | 0.00% | 4.64% | 8.85% | Beats 24% | 17 / 21 | ||