Industry, TX · Cert 12506
FDIC · 5 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
33
Profitability
4
Liquidity
0
Efficiency
62
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.
Industry, TX · Cert 12506
FDIC · 5 branches
Q2 2025
Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.1% share · #51 of 109 inst. · $0.4B of $348.4B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.73% | 0.20% | -0.01% | -0.05% | 2.73% | -3.77% | -1.65% | -164 bps | |
| Return on Equity | -29.31% | -27.83% | -30.12% | 0.83% | 9.53% | -997% | -509% | -433% | -43,413 bps | |
| Net Interest Margin | 1.48% | 1.38% | 0.77% | 0.82% | 0.88% | 0.92% | 1.33% | 1.53% | +70 bps | |
| Efficiency Ratio | 64.73% | 69.93% | 81.97% | 84.42% | 84.26% | 36.22% | 73.12% | 63.71% | -2,071 bps | |
| Non-Interest Burden | 0.60% | 0.67% | 0.46% | 0.57% | 0.60% | -2.31% | 0.93% | 0.87% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | 0.20% | -1.61% | -2.72% | 8.86% | -10.22% | -23.78% | -24.59% | -2,187 bps | |
| Loan Growth (YoY) | 2.74% | -4.20% | 0.21% | -0.92% | -7.26% | -7.63% | -15.74% | -12.37% | -1,145 bps | |
| Deposit Growth (YoY) | -7.23% | -5.66% | -2.13% | -3.37% | -0.24% | -6.70% | -21.18% | -21.40% | -1,802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.24% | 0.14% | 0.01% | 0.02% | 0.14% | 0.14% | 0.31% | +30 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.12% | 0.01% | 0.00% | 0.00% | 0.00% | 0.08% | 0.07% | +7 bps | |
| Allowance / Loans | 1.55% | 1.60% | 1.58% | 1.60% | 1.68% | 1.72% | 1.85% | 1.78% | +19 bps | |
| Allowance Coverage of NPLs | 6.2x | 6.8x | 11.6x | 144.8x | 85.3x | 12.1x | 13.3x | 5.7x | -139.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.99% | 12.47% | 12.06% | 12.10% | 12.43% | 15.43% | 15.91% | 17.66% | +556 bps | |
| Total Risk-Based Capital | 29.28% | 12.47% | 12.06% | 12.10% | 12.43% | 15.43% | 15.91% | 17.66% | +556 bps | |
| Equity / Assets | -8.10% | -0.13% | -1.19% | -1.66% | 0.77% | 0.98% | 0.47% | -0.45% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.94% | 25.34% | 24.54% | 25.95% | 25.04% | 25.09% | 26.23% | 28.93% | +298 bps | |
| Liquid Assets / Assets | 3.54% | 6.77% | 13.56% | 12.26% | 14.60% | 17.14% | 19.73% | 14.39% | +214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Industry, TX · Cert 12506 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24)
FDIC · 5 branches
Q2 2025
Return on Assets
-1.82%
Rank 24 of 24
Net Interest Margin
1.53%
Rank 22 of 24
Efficiency Ratio
64.42%
Rank 10 of 24
Equity / Assets
-0.45%
Rank 23 of 24
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.82% | 0.59% | 1.00% | 1.43% | Beats 0% | 24 / 24 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 1.53% | 2.91% | 3.63% | 4.51% | Beats 8% | 22 / 24 | ||
| Efficiency Ratio | 64.42% | 58.88% | 67.83% | 80.72% | Beats 62% | 10 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.00% | 0.09% | 1.33% | Beats 29% | 18 / 24 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.08% | Beats 37% | 16 / 24 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.66% | 13.46% | 16.18% | 19.15% | Beats 63% | 9 / 24 | ||
| Total Risk-Based Capital Ratio | 17.66% | 13.54% | 16.18% | 20.41% | Beats 58% | 10 / 24 | ||
| Equity / Assets | -0.45% | 9.01% | 11.59% | 13.53% | Beats 4% | 23 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 28.93% | 56.20% | 79.01% | 94.18% | 4th pctl | 23 / 24 | ||
| Loans / Assets | 28.50% | 49.29% | 69.55% | 77.80% | 4th pctl | 23 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||