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 (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 | 2.06% | 2.33% | 1.57% | 2.03% | 2.09% | 3.34% | 1.46% | 1.83% | -20 bps | |
| Return on Equity | 13.70% | 15.22% | 10.38% | 13.06% | 12.34% | 19.16% | 8.23% | 10.56% | -249 bps | |
| Net Interest Margin | 4.94% | 4.78% | 4.25% | 4.68% | 4.70% | 4.60% | 4.11% | 4.49% | -19 bps | |
| Efficiency Ratio | 49.17% | 46.36% | 57.48% | 51.69% | 49.89% | 39.44% | 57.58% | 52.65% | +96 bps | |
| Non-Interest Burden | 2.16% | 1.93% | 2.23% | 2.11% | 2.02% | 0.52% | 2.34% | 2.25% | +14 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 | 0.79% | -0.03% | 0.03% | -0.03% | -0.02% | -0.35% | -0.02% | 0.05% | +8 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 | |