De Kalb, TX · Cert 15463
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 9.9% share · #4 of 19 inst. · $0.3B of $3.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.82% | 1.82% | 1.86% | 1.71% | 1.80% | -2 bps | |
| Return on Equity | 15.45% | 15.48% | 15.75% | 14.50% | 15.17% | -28 bps | |
| Net Interest Margin | 4.62% | 4.61% | 4.59% | 4.57% | 4.59% | -3 bps | |
| Efficiency Ratio | 54.63% | 54.76% | 54.79% | 55.48% | 54.01% | -62 bps | |
| Non-Interest Burden | 2.19% | 2.18% | 2.16% | 2.22% | 2.12% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.84% | 6.09% | 12.60% | 12.89% | 10.06% | +623 bps | |
| Loan Growth (YoY) | 12.21% | 8.48% | 5.20% | 2.32% | 5.45% | -676 bps | |
| Deposit Growth (YoY) | 7.08% | 9.78% | 12.66% | 12.95% | 9.72% | +264 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.41% | 0.29% | 0.29% | 0.24% | +10 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.06% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.48% | 1.50% | 1.44% | 1.54% | 1.53% | +4 bps | |
| Allowance Coverage of NPLs | 10.7x | 3.6x | 4.9x | 5.4x | 6.4x | -4.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.68% | 11.82% | 11.91% | 11.92% | 12.17% | +48 bps | |
| Total Risk-Based Capital | 11.68% | 11.82% | 11.91% | 11.92% | 12.17% | +48 bps | |
| Equity / Assets | 11.71% | 11.71% | 11.93% | 11.63% | 11.98% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.19% | 87.24% | 86.29% | 80.32% | 84.76% | -343 bps | |
| Liquid Assets / Assets | 17.93% | 19.60% | 20.52% | 26.13% | 21.85% | +391 bps | |
| CRE / Total Capital | n/a | 209% | 214% | 212% | n/a | n/a | |