Port Lavaca, TX · Cert 17811
National charter · OCC · 4 branches
Q2 2026
Market Position · Victoria, TX · 2026 SOD (annual) · 1.1% share · #8 of 12 inst. · $0.0B of $2.6B
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 | 0.86% | 0.85% | 0.91% | 1.02% | 1.09% | 0.80% | 1.02% | -0.23% | -125 bps | |
| Return on Equity | 10.60% | 10.25% | 10.91% | 11.38% | 11.37% | 8.12% | 10.10% | -2.17% | -1,355 bps | |
| Net Interest Margin | 2.56% | 2.60% | 2.67% | 2.88% | 2.80% | 2.76% | 2.65% | 2.68% | -21 bps | |
| Efficiency Ratio | 64.54% | 62.62% | 63.94% | 58.43% | 60.41% | 61.89% | 65.11% | 69.71% | +1,128 bps | |
| Non-Interest Burden | 1.56% | 1.53% | 1.61% | 1.57% | 1.58% | 1.61% | 1.63% | 1.78% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.23% | 4.63% | -6.74% | -4.97% | -5.45% | 0.95% | -2.96% | -1.38% | +360 bps | |
| Loan Growth (YoY) | 1.97% | 1.39% | 0.80% | 0.61% | -3.72% | -3.61% | -5.67% | -7.35% | -797 bps | |
| Deposit Growth (YoY) | -7.02% | -5.23% | -5.85% | -3.75% | -4.24% | 2.27% | -4.25% | -2.00% | +175 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.00% | 0.06% | 1.71% | 0.00% | 0.01% | 0.00% | 2.39% | +67 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.76% | 0.78% | 0.78% | 0.82% | 0.82% | 0.93% | 0.86% | 1.30% | +48 bps | |
| Allowance Coverage of NPLs | 11.2x | n/a | 13.8x | 0.5x | n/a | 129.1x | n/a | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.39% | 11.35% | 11.97% | 12.20% | 12.79% | 12.36% | 12.91% | 13.00% | +80 bps | |
| Total Risk-Based Capital | 11.39% | 11.35% | 11.97% | 12.20% | 12.79% | 12.36% | 12.91% | 13.00% | +80 bps | |
| Equity / Assets | 8.58% | 7.94% | 8.80% | 9.11% | 9.96% | 9.81% | 10.45% | 10.39% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.37% | 70.40% | 71.49% | 72.91% | 70.75% | 66.36% | 70.43% | 68.93% | -398 bps | |
| Liquid Assets / Assets | 6.63% | 6.93% | 5.47% | 4.81% | 7.52% | 12.46% | 9.23% | 10.70% | +589 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 139.65% | 141.58% | 136.68% | n/a | n/a | |