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 | |