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 | |