Kilgore, TX · Cert 16817 · East Texas Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (20 in holding)
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 2.4% share · #13 of 25 inst. · $0.2B of $8.0B
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 | 0.61% | 0.58% | 0.42% | 0.66% | 0.77% | 0.86% | 0.84% | 0.79% | +13 bps | |
| Return on Equity | 4.43% | 4.20% | 2.98% | 4.64% | 5.36% | 5.99% | 7.91% | 8.41% | +378 bps | |
| Net Interest Margin | 3.77% | 3.71% | 3.71% | 4.52% | 4.37% | 4.30% | 4.09% | 4.29% | -23 bps | |
| Efficiency Ratio | 76.39% | 77.10% | 81.42% | 85.57% | 80.09% | 79.13% | 73.96% | 75.82% | -975 bps | |
| Non-Interest Burden | 2.82% | 2.80% | 2.98% | 3.97% | 3.57% | 3.36% | 2.97% | 3.20% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.93% | 0.59% | 0.35% | 3.02% | 2.73% | 6.32% | 1.46% | -0.06% | -309 bps | |
| Loan Growth (YoY) | -2.53% | 1.96% | 5.37% | 14.06% | 18.75% | 14.50% | 16.02% | 6.46% | -760 bps | |
| Deposit Growth (YoY) | -4.04% | -0.53% | -0.54% | 2.44% | 2.32% | 5.99% | 7.08% | 6.52% | +408 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | 0.03% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.37% | -0.47% | -2.44% | -1.59% | -1.18% | -0.03% | -0.02% | +242 bps | |
| Allowance / Loans | 2.34% | 2.12% | 2.27% | 2.92% | 2.87% | 2.49% | 2.43% | 2.49% | -43 bps | |
| Allowance Coverage of NPLs | 6.1x | 40.1x | 48.4x | 71.2x | 77.1x | 60.4x | 79.9x | 107.2x | +35.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.69% | 14.65% | 14.72% | 14.71% | 14.81% | 14.81% | 6.37% | 6.90% | -781 bps | |
| Total Risk-Based Capital | 23.12% | 23.05% | 22.84% | 21.78% | 23.77% | 22.29% | 11.18% | 11.37% | -1,042 bps | |
| Equity / Assets | 14.10% | 14.20% | 14.25% | 14.48% | 14.55% | 14.63% | 6.58% | 6.81% | -767 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.60% | 68.42% | 69.01% | 74.13% | 74.97% | 73.92% | 74.77% | 74.08% | -5 bps | |
| Liquid Assets / Assets | 16.92% | 17.11% | 17.22% | 17.54% | 15.94% | 13.98% | 13.24% | 11.36% | -618 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 321% | 764% | n/a | n/a | |