University Park, TX · Cert 17491 · Diamond HTH Stock Co. Gp LLC
State charter, Fed member · FED · 55 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.6% share · #17 of 166 inst. · $4.6B of $732.8B
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 | 0.87% | 0.97% | 0.70% | 1.45% | 1.15% | 0.96% | 1.06% | 1.17% | -27 bps | |
| Return on Equity | 7.38% | 8.76% | 6.20% | 12.30% | 9.59% | 8.11% | 9.37% | 10.85% | -144 bps | |
| Net Interest Margin | 2.81% | 2.78% | 2.79% | 3.00% | 3.08% | 3.14% | 3.20% | 3.26% | +26 bps | |
| Efficiency Ratio | 78.74% | 79.74% | 75.32% | 73.09% | 75.85% | 74.00% | 74.91% | 74.99% | +191 bps | |
| Non-Interest Burden | 1.59% | 1.69% | 1.47% | 1.30% | 1.63% | 1.57% | 1.68% | 1.67% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -0.58% | -2.36% | -2.55% | -4.52% | -4.35% | -3.38% | 2.22% | +477 bps | |
| Loan Growth (YoY) | -3.93% | -2.57% | -1.86% | -4.60% | 2.40% | 5.59% | 5.69% | 6.93% | +1,153 bps | |
| Deposit Growth (YoY) | -1.19% | 1.70% | 0.56% | 0.62% | -1.81% | -3.05% | -2.32% | 1.62% | +100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.71% | 1.31% | 1.26% | 1.17% | 1.10% | 0.98% | 1.14% | 1.03% | -14 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.19% | 0.20% | 0.04% | 0.01% | 0.51% | 0.19% | 0.14% | +10 bps | |
| Allowance / Loans | 1.30% | 1.20% | 1.26% | 1.13% | 1.09% | 1.03% | 1.00% | 0.91% | -22 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.0x | 1.0x | 1.0x | 1.0x | 0.9x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 9.99% | 10.22% | 10.71% | 10.74% | 10.60% | 9.54% | 9.73% | -98 bps | |
| Total Risk-Based Capital | 16.13% | 16.54% | 16.31% | 16.29% | 15.96% | 15.60% | 13.77% | 13.47% | -281 bps | |
| Equity / Assets | 11.16% | 11.02% | 11.43% | 12.10% | 11.88% | 11.81% | 10.87% | 10.75% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.08% | 75.02% | 76.84% | 82.69% | 81.43% | 81.71% | 83.15% | 87.01% | +432 bps | |
| Liquid Assets / Assets | 18.84% | 20.94% | 17.93% | 12.79% | 14.27% | 13.77% | 11.72% | 10.73% | -205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 335% | 339% | 391% | n/a | n/a | |