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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.53% | 1.20% | 1.28% | 1.31% | -5 bps | |
| Return on Equity | 13.23% | 14.44% | 10.64% | 11.25% | 11.25% | -198 bps | |
| Net Interest Margin | 3.89% | 3.61% | 3.92% | 3.91% | 4.00% | +11 bps | |
| Efficiency Ratio | 54.40% | 41.65% | 59.48% | 54.75% | 58.15% | +375 bps | |
| Non-Interest Burden | 1.96% | 0.12% | 2.29% | 2.06% | 2.28% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.62% | 8.13% | 8.36% | 5.34% | -2.22% | -1,784 bps | |
| Loan Growth (YoY) | 25.22% | 15.57% | 10.54% | 4.98% | 0.27% | -2,495 bps | |
| Deposit Growth (YoY) | 16.53% | 7.77% | 9.26% | 4.84% | -3.80% | -2,032 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.30% | 0.15% | 0.77% | 0.53% | +30 bps | |
| Net Charge-Offs / Loans | -0.07% | 1.99% | 0.41% | 0.00% | 0.08% | +15 bps | |
| Allowance / Loans | 1.15% | 1.21% | 1.14% | 1.17% | 1.14% | -1 bps | |
| Allowance Coverage of NPLs | 5.0x | 4.1x | 7.6x | 1.5x | 2.2x | -2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.56% | 10.81% | 11.60% | 11.84% | 12.02% | +146 bps | |
| Total Risk-Based Capital | 14.21% | 15.63% | 15.76% | 16.00% | 16.13% | +192 bps | |
| Equity / Assets | 10.08% | 11.14% | 11.45% | 11.37% | 12.00% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.69% | 87.00% | 87.41% | 85.83% | 88.28% | +358 bps | |
| Liquid Assets / Assets | 18.32% | 17.22% | 15.64% | 17.86% | 14.82% | -350 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 363% | 339% | n/a | |