Dimmitt, TX · Cert 12769 · Plains Bcorp Inc.
State charter, non-member · FDIC · 24 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 4.8% share · #4 of 21 inst. · $0.6B of $11.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 1.06% | 1.16% | 1.33% | 1.51% | 1.51% | 1.55% | 1.63% | +30 bps | |
| Return on Equity | 14.08% | 11.36% | 12.82% | 14.80% | 16.09% | 15.37% | 15.42% | 15.84% | +103 bps | |
| Net Interest Margin | 3.07% | 3.17% | 3.32% | 3.51% | 3.68% | 3.69% | 3.64% | 3.78% | +28 bps | |
| Efficiency Ratio | 55.47% | 59.70% | 58.37% | 53.96% | 50.86% | 51.28% | 51.10% | 49.92% | -405 bps | |
| Non-Interest Burden | 1.44% | 1.69% | 1.77% | 1.76% | 1.71% | 1.72% | 1.61% | 1.67% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.21% | -2.78% | 12.18% | 9.88% | 11.07% | 14.87% | 1.92% | 1.90% | -799 bps | |
| Loan Growth (YoY) | 2.90% | 2.18% | 8.39% | 5.95% | 8.50% | 8.06% | 1.28% | 2.83% | -312 bps | |
| Deposit Growth (YoY) | -1.25% | -0.72% | 19.78% | 22.05% | 20.51% | 21.01% | 0.49% | 0.87% | -2,119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.97% | 0.75% | 0.66% | 0.92% | 0.85% | 0.74% | 0.71% | 0.41% | -51 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.23% | -0.03% | 0.03% | 0.07% | 0.02% | -0.04% | 0.24% | +20 bps | |
| Allowance / Loans | 1.38% | 1.38% | 1.33% | 1.35% | 1.33% | 1.35% | 1.40% | 1.34% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 1.9x | 2.0x | 1.5x | 1.6x | 1.8x | 2.0x | 3.3x | +1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.47% | 11.81% | 10.97% | 10.28% | 10.56% | 10.89% | 11.08% | 11.17% | +89 bps | |
| Total Risk-Based Capital | 17.10% | 17.39% | 15.55% | 15.91% | 16.05% | 16.78% | 17.14% | 16.83% | +92 bps | |
| Equity / Assets | 9.39% | 9.36% | 8.75% | 9.18% | 9.57% | 10.05% | 10.06% | 10.51% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.53% | 76.81% | 67.63% | 69.42% | 70.70% | 68.59% | 68.16% | 70.78% | +135 bps | |
| Liquid Assets / Assets | 4.38% | 3.46% | 8.08% | 6.27% | 6.92% | 7.59% | 4.78% | 2.68% | -359 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 283% | 265% | 272% | n/a | n/a | |