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 (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 | 1.48% | 1.45% | 1.78% | 1.85% | 1.82% | 1.94% | 1.71% | 1.87% | +1 bps | |
| Return on Equity | 13.19% | 12.46% | 15.03% | 15.88% | 15.54% | 16.37% | 14.50% | 15.83% | -5 bps | |
| Net Interest Margin | 4.44% | 4.56% | 4.64% | 4.71% | 4.74% | 4.86% | 4.57% | 4.64% | -7 bps | |
| Efficiency Ratio | 57.46% | 59.41% | 55.30% | 53.99% | 55.00% | 54.86% | 55.48% | 52.62% | -137 bps | |
| Non-Interest Burden | 2.23% | 2.42% | 2.25% | 2.19% | 2.23% | 2.23% | 2.22% | 2.04% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.34% | 2.91% | 0.57% | 3.84% | 6.09% | 12.60% | 12.89% | 10.06% | +623 bps | |
| Loan Growth (YoY) | 4.21% | 7.98% | 12.89% | 12.21% | 8.48% | 5.20% | 2.32% | 5.45% | -676 bps | |
| Deposit Growth (YoY) | 5.09% | 3.14% | 3.05% | 7.08% | 9.78% | 12.66% | 12.95% | 9.72% | +264 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.23% | 0.13% | 0.14% | 0.41% | 0.29% | 0.29% | 0.24% | +10 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.40% | 0.02% | -0.03% | 0.01% | 0.25% | 0.00% | 0.04% | +7 bps | |
| Allowance / Loans | 1.43% | 1.38% | 1.44% | 1.48% | 1.50% | 1.44% | 1.54% | 1.53% | +4 bps | |
| Allowance Coverage of NPLs | 8.6x | 6.0x | 11.0x | 10.7x | 3.6x | 4.9x | 5.4x | 6.4x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.55% | 11.65% | 11.68% | 11.82% | 11.91% | 11.92% | 12.17% | +48 bps | |
| Total Risk-Based Capital | 11.44% | 11.55% | 11.65% | 11.68% | 11.82% | 11.91% | 11.92% | 12.17% | +48 bps | |
| Equity / Assets | 11.30% | 11.97% | 11.65% | 11.71% | 11.71% | 11.93% | 11.63% | 11.98% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.28% | 92.40% | 88.67% | 88.19% | 87.24% | 86.29% | 80.32% | 84.76% | -343 bps | |
| Liquid Assets / Assets | 20.03% | 13.34% | 17.04% | 17.93% | 19.60% | 20.52% | 26.13% | 21.85% | +391 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 214% | 212% | n/a | n/a | |