Livingston, TX · Cert 15898 · East Texas Bancshares Inc.
State charter, Fed member · FED · 8 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #94 of 107 inst. · $0.0B of $360.4B
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 | 1.08% | 1.07% | 0.89% | 0.96% | 0.90% | 0.95% | 0.96% | 1.05% | +9 bps | |
| Return on Equity | 9.21% | 9.24% | 7.72% | 8.18% | 7.53% | 7.85% | 7.68% | 8.20% | +2 bps | |
| Net Interest Margin | 3.01% | 3.01% | 2.82% | 2.93% | 3.00% | 3.01% | 2.90% | 3.00% | +8 bps | |
| Efficiency Ratio | 66.54% | 66.73% | 71.27% | 69.90% | 70.19% | 69.42% | 70.34% | 68.50% | -140 bps | |
| Non-Interest Burden | 1.80% | 1.81% | 1.88% | 1.89% | 1.94% | 1.91% | 1.88% | 1.87% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 67.25% | 1.11% | -1.39% | -2.35% | 0.78% | 0.33% | 0.51% | 1.59% | +394 bps | |
| Loan Growth (YoY) | 49.86% | 3.31% | 5.32% | 4.12% | 2.20% | 0.46% | -1.43% | -1.17% | -530 bps | |
| Deposit Growth (YoY) | 62.71% | 1.13% | -2.37% | -2.78% | 0.88% | -1.16% | -0.39% | 0.38% | +316 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.40% | 0.97% | 0.81% | 0.64% | 1.72% | 2.48% | 1.95% | 1.93% | +129 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.06% | 0.08% | 0.06% | 0.06% | 0.04% | 0.04% | -5 bps | |
| Allowance / Loans | 1.17% | 1.13% | 1.11% | 1.09% | 1.23% | 1.21% | 1.22% | 1.22% | +12 bps | |
| Allowance Coverage of NPLs | 2.9x | 1.2x | 1.4x | 1.7x | 0.7x | 0.5x | 0.6x | 0.6x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.27% | 14.93% | 14.58% | 15.15% | 15.91% | 15.65% | 14.98% | 15.52% | +38 bps | |
| Total Risk-Based Capital | 15.27% | 14.93% | 14.58% | 15.15% | 15.91% | 15.65% | 14.98% | 15.52% | +38 bps | |
| Equity / Assets | 12.91% | 11.33% | 11.70% | 12.10% | 12.81% | 12.61% | 12.49% | 13.18% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.07% | 35.22% | 34.82% | 36.86% | 36.54% | 35.79% | 34.45% | 36.29% | -57 bps | |
| Liquid Assets / Assets | 1.77% | 4.78% | 5.68% | 1.49% | 6.61% | 7.78% | 8.81% | 4.13% | +263 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 41.70% | 40.88% | 39.63% | n/a | n/a | |