Lubbock, TX · Cert 1720 · Circle I Bank Group Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 1.9% share · #14 of 31 inst. · $0.3B of $14.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.73% | 0.98% | 1.59% | 1.28% | -28 bps | |
| Return on Equity | 19.29% | 20.46% | 11.36% | 19.13% | 15.22% | -408 bps | |
| Net Interest Margin | 4.95% | 4.95% | 5.04% | 5.00% | 5.20% | +25 bps | |
| Efficiency Ratio | 63.38% | 60.03% | 67.91% | 60.60% | 64.97% | +159 bps | |
| Non-Interest Burden | 2.83% | 2.67% | 3.29% | 2.86% | 3.23% | +40 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.62% | 6.32% | 6.64% | 14.05% | 16.77% | +916 bps | |
| Loan Growth (YoY) | 7.32% | 4.89% | 7.70% | 9.55% | 18.20% | +1,089 bps | |
| Deposit Growth (YoY) | 12.39% | 3.07% | 0.63% | 12.12% | 11.01% | -138 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.09% | 1.31% | 0.00% | 0.31% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.16% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.21% | 1.29% | 1.20% | 1.21% | -3 bps | |
| Allowance Coverage of NPLs | 4.5x | 13.6x | 1.0x | n/a | 4.0x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.41% | 9.50% | 9.29% | 9.31% | 9.77% | +36 bps | |
| Total Risk-Based Capital | 9.41% | 9.50% | 9.29% | 9.31% | 9.77% | +36 bps | |
| Equity / Assets | 8.40% | 8.54% | 8.62% | 8.03% | 8.85% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.07% | 93.56% | 94.02% | 88.30% | 96.98% | +591 bps | |
| Liquid Assets / Assets | 7.28% | 7.92% | 7.40% | 12.22% | 8.54% | +126 bps | |
| CRE / Total Capital | n/a | 364% | 391% | 385% | n/a | n/a | |