Longview, TX · Cert 17842 · RJ Pope Management Gp LLC
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 23.0% share · #1 of 25 inst. · $1.8B of $8.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.25% | 1.32% | 1.44% | 1.54% | +37 bps | |
| Return on Equity | 10.57% | 11.20% | 11.63% | 11.87% | 12.39% | +182 bps | |
| Net Interest Margin | 2.99% | 3.08% | 3.16% | 3.47% | 3.58% | +59 bps | |
| Efficiency Ratio | 60.28% | 58.59% | 57.81% | 56.65% | 54.69% | -559 bps | |
| Non-Interest Burden | 1.50% | 1.47% | 1.49% | 1.63% | 1.57% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | -1.72% | 0.30% | 1.22% | -0.08% | -106 bps | |
| Loan Growth (YoY) | 1.01% | -1.01% | -2.17% | -3.18% | -1.66% | -267 bps | |
| Deposit Growth (YoY) | 2.72% | 0.75% | -1.37% | 0.46% | -1.17% | -389 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.28% | 0.40% | 0.29% | 0.61% | +32 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.05% | 0.01% | 0.01% | -6 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.20% | 1.22% | 1.22% | 0 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.3x | 3.0x | 4.2x | 2.0x | -2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.66% | 11.92% | 12.29% | 12.52% | 13.10% | +144 bps | |
| Total Risk-Based Capital | 15.31% | 15.64% | 16.42% | 17.08% | 17.10% | +179 bps | |
| Equity / Assets | 11.45% | 11.70% | 12.17% | 12.11% | 12.90% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.98% | 90.97% | 90.19% | 87.05% | 91.52% | -46 bps | |
| Liquid Assets / Assets | 3.51% | 5.35% | 6.50% | 9.99% | 5.78% | +227 bps | |
| CRE / Total Capital | n/a | 425% | 403% | 390% | n/a | n/a | |