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 | |