Junction, TX · Cert 15078
National charter · OCC · 1 branch
Q2 2026
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 | 1.11% | 1.04% | 1.12% | 1.19% | 1.22% | 1.06% | 1.16% | 1.36% | +17 bps | |
| Return on Equity | 18.91% | 16.68% | 18.21% | 17.23% | 15.90% | 12.67% | 13.50% | 15.51% | -172 bps | |
| Net Interest Margin | 2.83% | 2.98% | 2.92% | 3.07% | 3.04% | 3.17% | 2.98% | 3.10% | +3 bps | |
| Efficiency Ratio | 55.89% | 52.10% | 59.55% | 55.49% | 56.63% | 50.81% | 55.75% | 52.62% | -287 bps | |
| Non-Interest Burden | 1.38% | 1.32% | 1.55% | 1.50% | 1.53% | 1.41% | 1.48% | 1.41% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | -2.81% | 1.28% | 1.82% | 5.71% | 11.52% | 9.34% | 4.88% | +307 bps | |
| Loan Growth (YoY) | 5.69% | 5.18% | 7.99% | 6.07% | -4.03% | -3.48% | -1.10% | 0.13% | -595 bps | |
| Deposit Growth (YoY) | -1.67% | -4.03% | 0.71% | 0.75% | 4.61% | 8.09% | 7.14% | 2.77% | +203 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.02% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.07% | -0.02% | -0.02% | -0.04% | 0.04% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.51% | 1.55% | 1.58% | 1.60% | 1.65% | 1.62% | 1.60% | 1.60% | +1 bps | |
| Allowance Coverage of NPLs | 41.1x | 56.7x | 68.2x | 85.5x | 172.0x | 342.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.02% | 11.22% | 11.71% | 11.61% | 11.76% | 11.45% | 11.46% | 12.04% | +43 bps | |
| Total Risk-Based Capital | 35.09% | 34.70% | 36.74% | 37.27% | 38.53% | 38.46% | 39.47% | 12.04% | -2,523 bps | |
| Equity / Assets | 6.86% | 5.54% | 6.79% | 6.98% | 8.28% | 8.46% | 8.65% | 8.84% | +186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.91% | 27.42% | 26.63% | 26.03% | 24.69% | 24.48% | 24.58% | 25.36% | -67 bps | |
| Liquid Assets / Assets | 15.49% | 16.33% | 18.37% | 19.92% | 20.63% | 23.10% | 24.39% | 21.24% | +132 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 30.05% | 29.56% | 27.45% | n/a | n/a | |