Ennis, TX · Cert 13000 · Ennis Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #87 of 166 inst. · $0.4B of $732.8B
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 | 0.80% | 0.84% | 0.89% | 0.82% | 1.05% | 1.07% | 1.26% | 1.31% | +49 bps | |
| Return on Equity | 12.95% | 13.05% | 13.98% | 12.33% | 15.12% | 14.59% | 16.99% | 17.45% | +513 bps | |
| Net Interest Margin | 3.47% | 3.73% | 3.59% | 3.79% | 3.97% | 4.25% | 4.07% | 4.13% | +33 bps | |
| Efficiency Ratio | 68.20% | 65.36% | 69.97% | 66.12% | 61.71% | 58.60% | 60.24% | 61.51% | -461 bps | |
| Non-Interest Burden | 2.26% | 2.32% | 2.42% | 2.39% | 2.33% | 2.35% | 2.33% | 2.41% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.51% | 6.32% | 4.81% | 7.37% | 3.74% | 7.74% | 9.62% | 7.94% | +57 bps | |
| Loan Growth (YoY) | 11.65% | 12.19% | 6.64% | 9.27% | 6.64% | 10.87% | 16.43% | 15.28% | +601 bps | |
| Deposit Growth (YoY) | 4.86% | 7.62% | 10.12% | 13.66% | 15.06% | 5.48% | 4.85% | 0.00% | -1,365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.12% | 0.34% | 0.10% | 0.19% | 0.56% | 2.33% | 0.33% | +23 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.05% | 0.40% | 0.02% | 0.19% | 0.01% | -0.07% | -47 bps | |
| Allowance / Loans | 0.98% | 1.02% | 1.01% | 1.00% | 1.07% | 1.11% | 1.09% | 1.10% | +10 bps | |
| Allowance Coverage of NPLs | 11.9x | 8.3x | 3.0x | 10.0x | 5.5x | 2.0x | 0.5x | 3.4x | -6.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.47% | 9.61% | 9.47% | 9.37% | 9.58% | 9.53% | 9.56% | +9 bps | |
| Total Risk-Based Capital | 9.35% | 9.47% | 9.61% | 9.47% | 9.37% | 9.58% | 9.53% | 9.56% | +9 bps | |
| Equity / Assets | 6.68% | 6.22% | 6.57% | 6.72% | 7.16% | 7.52% | 7.37% | 7.66% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.40% | 91.00% | 90.22% | 87.68% | 87.49% | 95.65% | 100.18% | 101.08% | +1,340 bps | |
| Liquid Assets / Assets | 3.82% | 4.22% | 5.26% | 5.63% | 4.99% | 3.80% | 3.26% | 3.61% | -202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 494% | 494% | 521% | n/a | n/a | |