Buffalo, TX · Cert 12501
FDIC · 10 branches
Q2 2025
Market Position · Waco, TX · 2025 SOD (annual) · 2.2% share · #14 of 28 inst. · $0.2B of $8.5B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.12% | -0.07% | -0.15% | 0.02% | +5 bps | |
| Return on Equity | 1.18% | 6.59% | 3.11% | 3.56% | -0.39% | -158 bps | |
| Net Interest Margin | 1.10% | 1.11% | 1.14% | 1.34% | 1.45% | +35 bps | |
| Efficiency Ratio | 95.91% | 99.44% | 100.84% | 96.79% | 90.91% | -499 bps | |
| Non-Interest Burden | 1.07% | 1.13% | 1.17% | 1.31% | 1.32% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.89% | 10.02% | -14.63% | -27.27% | -29.82% | -4,171 bps | |
| Loan Growth (YoY) | 0.33% | 1.07% | -9.63% | -11.01% | -13.57% | -1,389 bps | |
| Deposit Growth (YoY) | 5.33% | 2.28% | -0.58% | -15.69% | -17.30% | -2,264 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.06% | 0.06% | 0.16% | 0.14% | +2 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.10% | 0.08% | 0.04% | 0.02% | -8 bps | |
| Allowance / Loans | 1.39% | 1.42% | 1.47% | 1.56% | 1.57% | +18 bps | |
| Allowance Coverage of NPLs | 10.9x | 22.2x | 24.6x | 9.6x | 10.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.31% | 10.61% | 11.06% | 12.75% | 13.58% | +327 bps | |
| Total Risk-Based Capital | 10.31% | 10.61% | 11.06% | 12.75% | 13.58% | +327 bps | |
| Equity / Assets | -2.82% | -0.66% | -3.85% | -4.87% | -6.36% | -354 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 23.18% | 23.11% | 22.35% | 22.88% | 24.23% | +105 bps | |
| Liquid Assets / Assets | 23.02% | 22.98% | 14.44% | 10.70% | 5.66% | -1,736 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |