Tyler, TX · Cert 1715
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
27
Profitability
32
Liquidity
50
Efficiency
95
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tyler, TX · Cert 1715
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Tyler, TX · 2026 SOD (annual) · 3.2% share · #9 of 28 inst. · $0.3B of $9.0B
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 | 0.85% | 0.89% | 0.86% | 1.02% | 1.05% | 0.98% | 1.25% | 1.34% | +32 bps | |
| Return on Equity | 5.12% | 5.36% | 5.25% | 6.07% | 6.09% | 5.69% | 7.27% | 7.65% | +158 bps | |
| Net Interest Margin | 2.15% | 2.22% | 2.27% | 2.39% | 2.44% | 2.44% | 2.68% | 2.71% | +32 bps | |
| Efficiency Ratio | 50.52% | 50.24% | 52.82% | 47.60% | 46.10% | 46.80% | 40.12% | 37.41% | -1,019 bps | |
| Non-Interest Burden | 1.06% | 1.09% | 1.17% | 1.11% | 1.10% | 1.12% | 1.04% | 0.98% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.70% | 4.19% | 6.44% | 3.89% | 4.69% | 6.73% | 7.18% | 7.23% | +334 bps | |
| Loan Growth (YoY) | 12.97% | 19.89% | 12.57% | 11.93% | 15.43% | 8.97% | 11.34% | 5.39% | -655 bps | |
| Deposit Growth (YoY) | -1.98% | 6.22% | 10.00% | 6.15% | 7.56% | 5.19% | 5.26% | 7.92% | +177 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.95% | 0.92% | 1.70% | 1.64% | 1.06% | 0.76% | 0.53% | -118 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.11% | 0.26% | +26 bps | |
| Allowance / Loans | 0.45% | 0.44% | 0.46% | 0.45% | 0.47% | 0.64% | 0.62% | 0.53% | +8 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.3x | 0.3x | 0.6x | 0.8x | 1.0x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.06% | 20.89% | 20.35% | 20.84% | 21.19% | 20.28% | 20.28% | 20.52% | -32 bps | |
| Total Risk-Based Capital | 39.20% | 37.93% | 38.01% | 38.50% | 38.40% | 37.58% | 37.12% | 39.10% | +60 bps | |
| Equity / Assets | 18.02% | 16.05% | 16.69% | 17.69% | 18.79% | 17.13% | 17.38% | 18.23% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.24% | 74.44% | 74.21% | 80.12% | 82.89% | 77.12% | 78.49% | 78.23% | -188 bps | |
| Liquid Assets / Assets | 1.52% | 3.26% | 5.17% | 1.26% | 0.71% | 6.61% | 5.60% | 4.24% | +298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 220% | 218% | n/a | n/a | |
Tyler, TX · Cert 1715 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.36%
Rank 79 of 211
Net Interest Margin
2.71%
Rank 192 of 211
Efficiency Ratio
37.41%
Rank 12 of 211
Equity / Assets
18.23%
Rank 12 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.87% | 1.20% | 1.65% | Beats 63% | 79 / 211 | ||
| Return on Equity | 7.46% | 7.52% | 11.67% | 14.58% | Beats 24% | 160 / 211 | ||
| Net Interest Margin | 2.71% | 3.28% | 3.82% | 4.31% | Beats 9% | 192 / 211 | ||
| Efficiency Ratio | 37.41% | 53.01% | 64.18% | 73.65% | Beats 95% | 12 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.01% | 0.30% | 1.10% | Beats 38% | 129 / 208 | ||
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.01% | 0.06% | Beats 15% | 177 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.50% | 11.72% | 14.45% | 19.57% | Beats 93% | 15 / 211 | ||
| Total Risk-Based Capital Ratio | 39.10% | 11.94% | 14.78% | 20.30% | Beats 93% | 15 / 211 | ||
| Equity / Assets | 18.23% | 9.41% | 11.06% | 12.94% | Beats 94% | 12 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.23% | 45.39% | 66.56% | 82.03% | 70th pctl | 63 / 208 | ||
| Loans / Assets | 59.38% | 39.13% | 56.90% | 70.46% | 55th pctl | 94 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||