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 (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 | 1.11% | 1.06% | 1.27% | 1.43% | 1.53% | 1.39% | 1.59% | 1.45% | +2 bps | |
| Return on Equity | 13.93% | 13.42% | 16.11% | 17.72% | 18.66% | 16.82% | 19.13% | 17.00% | -72 bps | |
| Net Interest Margin | 4.24% | 4.28% | 4.66% | 4.80% | 4.76% | 4.70% | 5.00% | 4.98% | +18 bps | |
| Efficiency Ratio | 69.67% | 69.54% | 66.03% | 64.60% | 62.98% | 64.26% | 60.60% | 62.87% | -173 bps | |
| Non-Interest Burden | 2.83% | 2.81% | 2.97% | 2.90% | 2.77% | 2.82% | 2.86% | 2.98% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.58% | 11.82% | 14.63% | 7.62% | 6.32% | 6.64% | 14.05% | 16.77% | +916 bps | |
| Loan Growth (YoY) | 16.80% | 12.56% | 13.44% | 7.32% | 4.89% | 7.70% | 9.55% | 18.20% | +1,089 bps | |
| Deposit Growth (YoY) | 20.40% | 18.76% | 17.16% | 12.39% | 3.07% | 0.63% | 12.12% | 11.01% | -138 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.01% | 0.01% | 0.28% | 0.09% | 1.31% | 0.00% | 0.31% | +3 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.14% | 1.28% | 1.21% | 1.24% | 1.21% | 1.29% | 1.20% | 1.21% | -3 bps | |
| Allowance Coverage of NPLs | 6.3x | 133.4x | 150.7x | 4.5x | 13.6x | 1.0x | n/a | 4.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.27% | 9.08% | 9.41% | 9.50% | 9.29% | 9.31% | 9.77% | +36 bps | |
| Total Risk-Based Capital | 9.22% | 9.27% | 9.08% | 9.41% | 9.50% | 9.29% | 9.31% | 9.77% | +36 bps | |
| Equity / Assets | 7.94% | 7.87% | 7.87% | 8.40% | 8.54% | 8.62% | 8.03% | 8.85% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.93% | 87.84% | 90.37% | 91.07% | 93.56% | 94.02% | 88.30% | 96.98% | +591 bps | |
| Liquid Assets / Assets | 6.67% | 7.28% | 6.71% | 7.28% | 7.92% | 7.40% | 12.22% | 8.54% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 364% | 391% | 385% | n/a | n/a | |