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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.07% | 0.20% | -0.22% | -0.15% | 11.54% | -3.77% | 0.69% | +91 bps | |
| Return on Equity | -12.22% | -1.76% | -30.12% | 15.66% | 33.45% | 1326% | -509% | 2471% | +245,550 bps | |
| Net Interest Margin | 1.18% | 0.94% | 0.77% | 0.87% | 0.93% | 1.00% | 1.33% | 1.59% | +72 bps | |
| Efficiency Ratio | 72.29% | 90.69% | 81.97% | 86.89% | 83.95% | 12.00% | 73.12% | 55.86% | -3,102 bps | |
| Non-Interest Burden | 0.59% | 0.83% | 0.46% | 0.67% | 0.63% | -11.09% | 0.93% | 0.71% | +4 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 | 0.00% | 0.45% | 0.01% | -0.01% | 0.01% | 0.01% | 0.08% | 0.06% | +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 |