Humble, TX · Cert 17739 · Plains Acquisition Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
26
Profitability
71
Liquidity
43
Efficiency
86
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Humble, TX · Cert 17739 · Plains Acquisition Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #48 of 107 inst. · $0.5B of $360.4B
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 | 2.03% | 2.11% | 1.57% | 1.82% | 1.90% | 2.25% | 1.46% | 1.64% | -18 bps | |
| Return on Equity | 13.56% | 14.01% | 10.38% | 11.69% | 11.90% | 13.79% | 8.23% | 9.43% | -226 bps | |
| Net Interest Margin | 4.86% | 4.73% | 4.25% | 4.51% | 4.65% | 4.59% | 4.11% | 4.41% | -10 bps | |
| Efficiency Ratio | 49.23% | 48.50% | 57.48% | 54.45% | 52.90% | 48.83% | 57.58% | 55.02% | +57 bps | |
| Non-Interest Burden | 2.14% | 2.04% | 2.23% | 2.19% | 2.17% | 1.75% | 2.34% | 2.36% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 7.23% | 12.51% | -0.11% | -4.24% | 0.69% | -9.44% | -2.71% | -259 bps | |
| Loan Growth (YoY) | 0.32% | 5.48% | 0.67% | 3.62% | 3.63% | -2.56% | -2.61% | -6.08% | -970 bps | |
| Deposit Growth (YoY) | 10.86% | 7.00% | 12.82% | -1.88% | -6.79% | -1.47% | -13.08% | -2.51% | -63 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.64% | 0.49% | 1.62% | 1.77% | 2.16% | 2.42% | 4.41% | +279 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.18% | 0.03% | 0.00% | -0.01% | -0.09% | -0.02% | 0.01% | +1 bps | |
| Allowance / Loans | 1.36% | 1.30% | 1.37% | 1.33% | 1.35% | 1.55% | 1.64% | 1.63% | +30 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.0x | 2.8x | 0.8x | 0.8x | 0.7x | 0.7x | 0.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.44% | 15.59% | 14.78% | 15.63% | 16.54% | 17.80% | 17.30% | 16.47% | +84 bps | |
| Total Risk-Based Capital | 15.44% | 15.59% | 14.78% | 15.63% | 16.54% | 17.80% | 17.30% | 16.47% | +84 bps | |
| Equity / Assets | 15.08% | 15.57% | 14.67% | 16.54% | 17.36% | 17.49% | 18.09% | 16.53% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.49% | 90.80% | 81.78% | 94.18% | 97.28% | 89.80% | 91.62% | 90.73% | -345 bps | |
| Liquid Assets / Assets | 16.21% | 13.19% | 20.99% | 11.59% | 9.62% | 16.69% | 15.87% | 14.96% | +337 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 358% | 319% | 318% | n/a | n/a | |
Humble, TX · Cert 17739 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Plains Acquisition Corp.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.68%
Rank 3 of 21
Net Interest Margin
4.41%
Rank 6 of 21
Efficiency Ratio
55.02%
Rank 4 of 21
Equity / Assets
16.53%
Rank 5 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.77% | 1.16% | 1.46% | Beats 86% | 3 / 21 | ||
| Return on Equity | 10.18% | 6.66% | 8.42% | 15.66% | Beats 57% | 9 / 21 | ||
| Net Interest Margin | 4.41% | 3.50% | 3.97% | 4.41% | Beats 71% | 6 / 21 | ||
| Efficiency Ratio | 55.02% | 59.33% | 68.18% | 79.00% | Beats 86% | 4 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.41% | 0.01% | 0.37% | 1.25% | Beats 14% | 19 / 21 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.05% | Beats 38% | 14 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.47% | 12.65% | 15.76% | 18.38% | Beats 52% | 10 / 21 | ||
| Total Risk-Based Capital Ratio | 16.47% | 12.65% | 16.68% | 19.63% | Beats 43% | 12 / 21 | ||
| Equity / Assets | 16.53% | 9.08% | 11.30% | 15.80% | Beats 76% | 5 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.73% | 64.96% | 78.30% | 90.30% | 76th pctl | 5 / 21 | ||
| Loans / Assets | 75.10% | 55.83% | 65.86% | 74.20% | 81st pctl | 4 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||