Crystal City, TX · Cert 15105
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | -0.44% | 1.28% | 1.43% | 1.47% | 1.41% | 1.50% | 1.51% | +7 bps | |
| Return on Equity | 15.24% | -4.19% | 12.83% | 13.87% | 13.66% | 12.91% | 12.91% | 12.95% | -92 bps | |
| Net Interest Margin | 3.52% | 3.40% | 3.09% | 3.24% | 3.19% | 3.19% | 3.20% | 3.35% | +11 bps | |
| Efficiency Ratio | 59.51% | 113.66% | 65.46% | 63.05% | 62.09% | 62.81% | 60.02% | 60.25% | -280 bps | |
| Non-Interest Burden | 1.57% | 4.05% | 1.60% | 1.58% | 1.51% | 1.55% | 1.43% | 1.51% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.24% | -10.36% | -7.04% | -5.20% | 2.07% | 3.71% | 4.56% | 7.91% | +1,311 bps | |
| Loan Growth (YoY) | -13.55% | -17.82% | -17.28% | -1.40% | 13.35% | 16.07% | 0.08% | -4.83% | -343 bps | |
| Deposit Growth (YoY) | -12.79% | -10.88% | -7.75% | -5.32% | 3.19% | 1.50% | 3.04% | 7.24% | +1,257 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.09% | -0.19% | 0.21% | 0.00% | 0.01% | 0.25% | 0.10% | -12 bps | |
| Allowance / Loans | 1.64% | 1.54% | 1.74% | 1.51% | 1.39% | 1.33% | 1.62% | 1.66% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 4.6x | n/a | n/a | n/a | n/a | 52.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.68% | 14.09% | 14.50% | 15.28% | 15.35% | 14.65% | 14.90% | 15.75% | +47 bps | |
| Total Risk-Based Capital | 66.35% | 59.17% | 59.87% | 61.50% | 61.92% | 58.03% | 62.45% | 63.50% | +199 bps | |
| Equity / Assets | 12.89% | 9.63% | 10.26% | 11.08% | 11.98% | 11.61% | 11.55% | 11.72% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 10.22% | 10.31% | 9.35% | 10.18% | 11.22% | 11.80% | 9.08% | 9.04% | -115 bps | |
| Liquid Assets / Assets | 24.18% | 23.29% | 20.52% | 22.83% | 25.54% | 20.76% | 24.48% | 23.69% | +87 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 9.20% | 9.09% | 8.87% | n/a | n/a | |