Pittsburg, TX · Cert 16891 · Pilgrim Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Wichita Falls, TX · 2026 SOD (annual) · 3.2% share · #7 of 14 inst. · $0.1B of $4.3B
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 | 0.59% | 0.55% | 0.53% | 0.55% | 0.56% | 0.58% | 0.52% | 0.46% | -9 bps | |
| Return on Equity | 6.74% | 6.23% | 6.01% | 6.15% | 6.21% | 6.40% | 5.52% | 4.90% | -125 bps | |
| Net Interest Margin | 2.48% | 2.45% | 2.36% | 2.36% | 2.43% | 2.45% | 2.60% | 2.70% | +35 bps | |
| Efficiency Ratio | 72.24% | 74.43% | 74.18% | 73.93% | 73.76% | 73.36% | 74.43% | 74.44% | +51 bps | |
| Non-Interest Burden | 1.72% | 1.76% | 1.66% | 1.64% | 1.69% | 1.68% | 1.83% | 1.90% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.72% | 1.19% | 3.45% | 3.95% | 3.05% | 4.34% | 0.50% | -0.85% | -480 bps | |
| Loan Growth (YoY) | 6.49% | 6.19% | 6.19% | 3.05% | -0.87% | -0.45% | -4.74% | -4.69% | -774 bps | |
| Deposit Growth (YoY) | 1.65% | -0.93% | 3.54% | 6.10% | 3.23% | 5.76% | 0.64% | -3.46% | -956 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.00% | 0.00% | 0.00% | 0.41% | 0.35% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.78% | 0.77% | 0.79% | 0.81% | 0.83% | 0.88% | 0.99% | +20 bps | |
| Allowance Coverage of NPLs | 28.2x | 90.8x | n/a | n/a | n/a | 2.0x | 2.5x | 6.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.34% | 10.24% | 10.02% | 10.17% | 10.03% | 10.03% | 10.21% | +19 bps | |
| Total Risk-Based Capital | 15.26% | 14.71% | 14.41% | 14.72% | 14.91% | 14.87% | 14.99% | 15.37% | +65 bps | |
| Equity / Assets | 9.13% | 8.92% | 8.85% | 9.00% | 9.38% | 9.43% | 9.29% | 9.30% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.40% | 87.58% | 84.63% | 81.51% | 82.00% | 82.43% | 80.10% | 80.47% | -104 bps | |
| Liquid Assets / Assets | 13.05% | 11.64% | 11.23% | 12.29% | 11.09% | 9.97% | 11.69% | 9.36% | -293 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 262% | 272% | 272% | n/a | n/a | |