Waco, TX · Cert 17108 · Community Co. the
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 6.3% share · #6 of 28 inst. · $0.6B of $8.9B
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 | 0.81% | 0.39% | 0.81% | 1.00% | 0.98% | 0.97% | 1.19% | 1.02% | +2 bps | |
| Return on Equity | 7.15% | 3.42% | 7.35% | 8.94% | 8.30% | 7.73% | 9.58% | 8.09% | -86 bps | |
| Net Interest Margin | 2.79% | 2.82% | 2.86% | 2.97% | 3.17% | 3.07% | 3.23% | 3.15% | +17 bps | |
| Efficiency Ratio | 72.67% | 71.46% | 70.01% | 67.44% | 67.83% | 72.50% | 69.16% | 72.07% | +463 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.64% | 1.62% | 1.77% | 1.86% | 1.82% | 1.92% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | 2.54% | 3.58% | -0.28% | -3.23% | -0.99% | 3.02% | 3.23% | +351 bps | |
| Loan Growth (YoY) | 5.10% | 4.19% | 0.82% | 0.79% | 2.20% | 0.46% | 3.37% | -3.65% | -444 bps | |
| Deposit Growth (YoY) | 5.53% | 2.78% | 3.08% | -0.33% | -4.13% | -3.01% | 1.73% | 1.02% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 1.14% | 1.09% | 1.08% | 1.06% | 0.31% | 0.34% | 0.21% | -87 bps | |
| Net Charge-Offs / Loans | 0.21% | 3.58% | -0.07% | -0.07% | -0.03% | -0.01% | 0.00% | 1.20% | +127 bps | |
| Allowance / Loans | 1.66% | 1.09% | 1.27% | 1.35% | 1.40% | 1.46% | 1.49% | 1.29% | -5 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.2x | 1.2x | 1.3x | 4.8x | 4.4x | 6.3x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.60% | 14.30% | 14.62% | 14.82% | 15.32% | 15.52% | 15.44% | 15.45% | +63 bps | |
| Total Risk-Based Capital | 24.13% | 23.62% | 25.08% | 24.68% | 25.62% | 25.58% | 25.65% | 27.23% | +255 bps | |
| Equity / Assets | 11.76% | 10.78% | 11.23% | 11.06% | 12.56% | 12.56% | 12.23% | 12.94% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.00% | 67.93% | 67.47% | 70.32% | 73.56% | 70.36% | 68.56% | 67.08% | -325 bps | |
| Liquid Assets / Assets | 5.39% | 2.17% | 3.33% | 2.76% | 2.21% | 4.52% | 5.90% | 7.32% | +457 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 138.16% | 139.64% | 145.82% | n/a | n/a | |