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 (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 | 0.93% | 0.99% | 0.86% | 1.18% | 1.13% | 0.78% | 1.25% | 1.43% | +25 bps | |
| Return on Equity | 5.37% | 5.84% | 5.25% | 6.86% | 6.18% | 4.37% | 7.27% | 8.03% | +116 bps | |
| Net Interest Margin | 2.17% | 2.48% | 2.27% | 2.49% | 2.53% | 2.64% | 2.68% | 2.77% | +28 bps | |
| Efficiency Ratio | 45.96% | 49.51% | 52.82% | 42.79% | 43.19% | 48.67% | 40.12% | 34.79% | -799 bps | |
| Non-Interest Burden | 0.97% | 1.19% | 1.17% | 1.03% | 1.09% | 1.25% | 1.04% | 0.93% | -11 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 | 0.00% | 0.00% | 0.01% | -0.01% | 0.00% | 0.00% | 0.11% | 0.41% | +42 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 | |