Houston, TX · Cert 17612 · Central Bancshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.4% share · #24 of 107 inst. · $1.3B of $360.4B
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 | 1.52% | 1.55% | 1.49% | 1.45% | 1.64% | 1.55% | 1.45% | 1.50% | +5 bps | |
| Return on Equity | 16.29% | 16.98% | 16.54% | 15.81% | 17.60% | 16.39% | 15.47% | 16.38% | +57 bps | |
| Net Interest Margin | 4.95% | 5.02% | 4.75% | 4.87% | 4.99% | 4.73% | 4.45% | 4.66% | -20 bps | |
| Efficiency Ratio | 64.98% | 62.84% | 63.11% | 62.81% | 59.06% | 61.08% | 63.19% | 61.20% | -161 bps | |
| Non-Interest Burden | 3.03% | 2.95% | 2.82% | 2.89% | 2.73% | 2.61% | 2.54% | 2.63% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.55% | 8.97% | 11.93% | 15.85% | 9.44% | 9.13% | 10.72% | 12.85% | -300 bps | |
| Loan Growth (YoY) | 7.64% | 9.32% | 10.45% | 16.31% | 7.09% | 6.13% | 7.60% | 12.07% | -424 bps | |
| Deposit Growth (YoY) | 5.98% | 8.76% | 11.98% | 16.44% | 9.62% | 8.68% | 10.75% | 13.00% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.05% | 0.10% | 0.07% | 0.06% | 0.04% | 0.54% | +44 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.13% | 0.00% | -0.01% | 0.20% | -0.03% | 0.00% | -0.01% | 0 bps | |
| Allowance / Loans | 1.06% | 0.99% | 0.99% | 1.00% | 1.00% | 0.99% | 0.99% | 0.95% | -5 bps | |
| Allowance Coverage of NPLs | 6.2x | 11.3x | 21.0x | 9.7x | 15.3x | 17.7x | 27.1x | 1.8x | -7.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 10.28% | 10.10% | 10.17% | 10.18% | 10.37% | 10.08% | 10.07% | -10 bps | |
| Total Risk-Based Capital | 14.03% | 14.04% | 14.17% | 13.99% | 14.10% | 14.43% | 14.39% | 13.98% | -1 bps | |
| Equity / Assets | 9.39% | 8.85% | 9.21% | 9.12% | 9.56% | 9.39% | 9.31% | 9.06% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.67% | 88.35% | 87.35% | 87.15% | 86.63% | 86.27% | 84.86% | 86.43% | -72 bps | |
| Liquid Assets / Assets | 2.78% | 3.61% | 2.62% | 3.52% | 3.41% | 4.70% | 4.55% | 3.65% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 339% | 329% | 337% | n/a | n/a | |