Burton, TX · Cert 13669
FDIC · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.08% | 0.40% | 0.98% | -0.55% | -189 bps | |
| Return on Equity | 11.73% | 9.27% | 3.54% | 8.99% | -5.06% | -1,678 bps | |
| Net Interest Margin | 1.95% | 1.79% | 1.51% | 1.45% | 1.35% | -60 bps | |
| Efficiency Ratio | 51.52% | 76.76% | 64.42% | 56.79% | 135.39% | +8,387 bps | |
| Non-Interest Burden | 0.96% | 1.33% | 0.94% | 0.79% | 1.86% | +90 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.10% | 8.99% | 9.34% | 7.55% | 9.26% | -384 bps | |
| Loan Growth (YoY) | -0.12% | 0.39% | -1.94% | -5.89% | -6.04% | -591 bps | |
| Deposit Growth (YoY) | 14.12% | 9.28% | 9.74% | 7.95% | 10.58% | -354 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.30% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 0.69% | 0.70% | 0.72% | 0.72% | 0.76% | +7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.73% | 11.70% | 11.24% | 10.97% | 10.66% | -107 bps | |
| Total Risk-Based Capital | 11.73% | 11.70% | 11.24% | 10.97% | 10.66% | -107 bps | |
| Equity / Assets | 11.72% | 11.59% | 10.94% | 10.90% | 10.68% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.61% | 30.93% | 27.89% | 27.46% | 26.01% | -460 bps | |
| Liquid Assets / Assets | 60.08% | 57.73% | 54.03% | 53.69% | 59.15% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |