Fort Davis, TX · Cert 17446 · Maverick Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 1.7% share · #15 of 31 inst. · $0.2B 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 | 1.16% | 1.17% | 1.21% | 1.30% | 1.40% | 1.90% | 2.25% | 2.43% | +113 bps | |
| Return on Equity | 8.46% | 8.80% | 10.73% | 11.86% | 12.92% | 17.79% | 20.56% | 21.67% | +981 bps | |
| Net Interest Margin | 3.77% | 3.77% | 4.73% | 4.56% | 4.30% | 4.08% | 5.07% | 4.57% | 0 bps | |
| Efficiency Ratio | 60.92% | 60.02% | 60.58% | 57.88% | 55.85% | 50.33% | 46.72% | 43.16% | -1,472 bps | |
| Non-Interest Burden | 2.16% | 2.14% | 2.70% | 2.50% | 2.27% | 1.69% | 2.19% | 1.71% | -78 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 83.81% | 63.49% | 64.04% | 33.11% | 47.87% | 63.07% | 133.90% | 122.07% | +8,895 bps | |
| Loan Growth (YoY) | 122.62% | 140.83% | 134.69% | 133.97% | 107.69% | 76.65% | 123.83% | 106.04% | -2,793 bps | |
| Deposit Growth (YoY) | 86.36% | 72.98% | 71.34% | 35.99% | 51.42% | 65.95% | 132.11% | 119.24% | +8,325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.37% | 0.15% | 0.09% | 0.01% | 0.01% | 0.01% | 0.01% | -8 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.95% | 0.98% | 0.99% | 1.05% | 1.05% | 1.12% | 1.24% | 1.23% | +18 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.6x | 6.7x | 11.3x | 159.6x | 79.1x | 155.4x | 136.6x | +125.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.96% | 9.43% | 9.35% | 9.08% | 9.05% | 8.78% | 9.77% | 8.81% | -27 bps | |
| Total Risk-Based Capital | 9.96% | 9.43% | 9.35% | 9.08% | 9.05% | 8.78% | 9.77% | 8.81% | -27 bps | |
| Equity / Assets | 12.54% | 11.99% | 10.68% | 10.47% | 10.51% | 10.26% | 11.38% | 11.62% | +114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.63% | 60.70% | 64.14% | 68.08% | 69.44% | 64.62% | 61.85% | 63.98% | -410 bps | |
| Liquid Assets / Assets | 27.33% | 14.41% | 14.01% | 12.06% | 6.90% | 7.97% | 11.69% | 3.76% | -830 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 256% | 256% | n/a | n/a | |