Bridge City, TX · Cert 18155 · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 3 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 TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
82
Profitability
45
Liquidity
96
Efficiency
43
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.
Bridge City, TX · Cert 18155 · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)
Q2 2026
Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 2.6% share · #8 of 20 inst. · $0.2B of $7.7B
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 | 1.09% | 1.00% | 1.02% | 1.08% | 1.12% | 1.16% | 1.06% | 1.09% | +1 bps | |
| Return on Equity | 14.71% | 13.84% | 14.68% | 15.41% | 15.72% | 15.95% | 13.64% | 13.44% | -198 bps | |
| Net Interest Margin | 3.26% | 3.07% | 3.07% | 3.12% | 3.03% | 3.03% | 3.14% | 3.28% | +17 bps | |
| Efficiency Ratio | 67.55% | 68.07% | 67.68% | 66.23% | 64.78% | 64.10% | 65.19% | 65.74% | -49 bps | |
| Non-Interest Burden | 2.08% | 1.98% | 1.97% | 1.95% | 1.85% | 1.83% | 1.94% | 2.05% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.45% | 5.12% | 4.01% | 13.17% | 24.15% | 13.49% | 16.76% | 2.72% | -1,045 bps | |
| Loan Growth (YoY) | 16.42% | 30.82% | 35.48% | 40.73% | 24.01% | 9.41% | 2.60% | 7.79% | -3,294 bps | |
| Deposit Growth (YoY) | 1.97% | -5.87% | -6.15% | -2.51% | 12.96% | 14.95% | 17.60% | 4.34% | +685 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.23% | 0.21% | 0.20% | 0.11% | 0.11% | 0.08% | -13 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.07% | 0.07% | 0.05% | 0.08% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.03% | 1.04% | 0.99% | 0.95% | 0.95% | 1.02% | 1.04% | 0.97% | +2 bps | |
| Allowance Coverage of NPLs | 2.2x | 4.3x | 4.3x | 4.4x | 4.8x | 8.9x | 9.1x | 11.9x | +7.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.42% | 11.63% | 11.59% | 11.68% | 11.21% | 11.06% | 11.23% | 11.71% | +3 bps | |
| Total Risk-Based Capital | 23.37% | 20.95% | 20.86% | 20.88% | 20.43% | 20.45% | 21.24% | 21.03% | +15 bps | |
| Equity / Assets | 8.35% | 6.54% | 7.33% | 7.09% | 7.38% | 7.99% | 7.63% | 8.74% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.83% | 62.63% | 65.76% | 65.29% | 58.00% | 59.61% | 57.37% | 67.44% | +216 bps | |
| Liquid Assets / Assets | 1.58% | 3.90% | 1.45% | 5.19% | 13.30% | 12.16% | 15.04% | 4.98% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 251% | 250% | 244% | n/a | n/a | |
Bridge City, TX · Cert 18155 · Peer group: banks under $1B in assets in TX (n=208-211) · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)
Q2 2026
Return on Assets
1.14%
Rank 115 of 211
Net Interest Margin
3.28%
Rank 159 of 211
Efficiency Ratio
65.74%
Rank 122 of 211
Equity / Assets
8.74%
Rank 182 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.87% | 1.20% | 1.65% | Beats 45% | 115 / 211 | ||
| Return on Equity | 12.99% | 7.52% | 11.67% | 14.58% | Beats 64% | 76 / 211 | ||
| Net Interest Margin | 3.28% | 3.28% | 3.82% | 4.31% | Beats 25% | 159 / 211 | ||
| Efficiency Ratio | 65.74% | 53.01% | 64.18% | 73.65% | Beats 43% | 122 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.01% | 0.30% | 1.10% | Beats 63% | 77 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.16% | 11.72% | 14.45% | 19.57% | Beats 77% | 48 / 211 | ||
| Total Risk-Based Capital Ratio | 21.03% | 11.94% | 14.78% | 20.30% | Beats 76% | 50 / 211 | ||
| Equity / Assets | 8.74% | 9.41% | 11.06% | 12.94% | Beats 14% | 182 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.44% | 45.39% | 66.56% | 82.03% | 52nd pctl | 99 / 208 | ||
| Loans / Assets | 54.59% | 39.13% | 56.90% | 70.46% | 42nd pctl | 123 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||