Seagoville, TX · Cert 17094 · Mta Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #88 of 166 inst. · $0.4B of $732.8B
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 | 1.60% | 1.52% | 1.39% | 1.45% | 1.44% | 1.48% | 1.52% | 1.51% | +6 bps | |
| Return on Equity | 14.55% | 13.78% | 12.48% | 12.94% | 12.76% | 13.03% | 13.30% | 13.29% | +36 bps | |
| Net Interest Margin | 4.12% | 4.03% | 4.10% | 4.17% | 4.24% | 4.09% | 4.29% | 4.36% | +18 bps | |
| Efficiency Ratio | 50.35% | 52.80% | 56.98% | 56.65% | 57.25% | 57.05% | 56.05% | 57.39% | +74 bps | |
| Non-Interest Burden | 1.96% | 2.02% | 2.25% | 2.28% | 2.33% | 2.27% | 2.36% | 2.43% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.95% | 4.36% | 9.93% | 8.95% | 6.94% | 9.41% | 11.06% | 13.01% | +405 bps | |
| Loan Growth (YoY) | 3.44% | 1.40% | 5.99% | 1.41% | 5.67% | 8.05% | 2.17% | 6.93% | +552 bps | |
| Deposit Growth (YoY) | 8.93% | 5.37% | 11.89% | 9.01% | 6.60% | 9.13% | 10.97% | 14.81% | +580 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.58% | 1.20% | 0.03% | 0.02% | 0.23% | 0.23% | 0.11% | +8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.03% | 0.02% | 0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 1.50% | 1.53% | 1.47% | 1.50% | 1.50% | 1.47% | 1.50% | 1.49% | -1 bps | |
| Allowance Coverage of NPLs | 8.0x | 2.6x | 1.2x | 54.9x | 67.1x | 6.4x | 6.6x | 13.9x | -41.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.97% | 11.76% | 11.88% | 12.00% | 12.30% | 11.80% | 11.56% | 11.59% | -41 bps | |
| Total Risk-Based Capital | 17.86% | 17.73% | 16.86% | 16.86% | 17.62% | 16.78% | 17.75% | 16.37% | -50 bps | |
| Equity / Assets | 11.24% | 11.17% | 11.08% | 11.33% | 11.55% | 11.51% | 11.30% | 11.28% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 91.51% | 93.50% | 91.04% | 91.08% | 90.60% | 86.08% | 84.79% | -625 bps | |
| Liquid Assets / Assets | 4.49% | 4.51% | 4.42% | 4.45% | 4.40% | 4.95% | 4.77% | 4.70% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 305% | 306% | n/a | n/a | |