Corsicana, TX · Cert 18185 · Community Bk Holdings TX Inc.
National charter · OCC · 18 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #82 of 166 inst. · $0.4B of $732.8B
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 | 1.28% | 1.32% | 1.17% | 1.15% | 1.18% | 1.25% | 1.61% | 1.66% | +52 bps | |
| Return on Equity | 11.34% | 11.56% | 9.80% | 9.93% | 10.35% | 10.89% | 14.00% | 14.42% | +450 bps | |
| Net Interest Margin | 3.62% | 3.63% | 3.80% | 4.04% | 4.03% | 3.68% | 4.16% | 4.17% | +13 bps | |
| Efficiency Ratio | 60.58% | 60.53% | 65.95% | 71.47% | 69.23% | 63.75% | 56.90% | 56.20% | -1,527 bps | |
| Non-Interest Burden | 1.95% | 1.94% | 2.27% | 2.66% | 2.55% | 2.08% | 2.01% | 2.00% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 4.93% | 3.40% | 23.02% | 24.76% | 25.61% | 30.67% | 6.69% | -1,633 bps | |
| Loan Growth (YoY) | 3.24% | -0.53% | 3.62% | 33.94% | 29.16% | 34.61% | 32.63% | 2.37% | -3,157 bps | |
| Deposit Growth (YoY) | 5.54% | 4.73% | 2.93% | 24.11% | 26.69% | 26.92% | 32.64% | 6.16% | -1,795 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.99% | 0.98% | 0.04% | 0.04% | 0.03% | 0.17% | 0.09% | +5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.18% | 0.12% | 0.09% | 0.16% | 0.08% | -10 bps | |
| Allowance / Loans | 1.28% | 1.31% | 1.32% | 0.95% | 0.99% | 1.34% | 1.33% | 1.31% | +36 bps | |
| Allowance Coverage of NPLs | 11.7x | 1.3x | 1.3x | 24.5x | 26.0x | 42.1x | 7.7x | 14.2x | -10.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.02% | 12.26% | 12.45% | 10.16% | 10.36% | 10.25% | 10.44% | 10.62% | +47 bps | |
| Total Risk-Based Capital | 16.59% | 16.94% | 17.04% | 13.34% | 13.81% | 14.08% | 14.13% | 10.62% | -272 bps | |
| Equity / Assets | 11.59% | 11.85% | 11.94% | 11.04% | 11.02% | 11.68% | 11.26% | 11.66% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.88% | 81.80% | 82.65% | 87.33% | 83.47% | 86.75% | 82.65% | 84.21% | -312 bps | |
| Liquid Assets / Assets | 10.40% | 10.80% | 9.17% | 5.47% | 9.14% | 7.35% | 11.98% | 10.62% | +515 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 494% | 507% | 498% | n/a | n/a | |