Monahans, TX · Cert 18216
FDIC · 1 branch
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | 2.77% | 2.50% | 2.40% | 2.34% | 2.41% | 2.43% | 0.49% | -191 bps | |
| Return on Equity | 30.92% | 30.20% | 26.46% | 25.74% | 24.69% | 24.91% | 24.26% | 4.84% | -2,091 bps | |
| Net Interest Margin | 4.89% | 4.72% | 4.74% | 4.90% | 4.69% | 4.59% | 4.65% | 4.49% | -41 bps | |
| Efficiency Ratio | 30.96% | 30.63% | 32.45% | 35.01% | 38.01% | 37.32% | 37.26% | 69.79% | +3,478 bps | |
| Non-Interest Burden | 1.22% | 1.16% | 1.25% | 1.47% | 1.45% | 1.40% | 1.41% | 2.97% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.12% | 13.08% | 9.77% | 7.91% | -1.39% | -1.01% | 0.37% | -0.28% | -819 bps | |
| Loan Growth (YoY) | 14.32% | 5.58% | 6.92% | -0.33% | 3.66% | 3.70% | 2.73% | 5.86% | +619 bps | |
| Deposit Growth (YoY) | 3.92% | 13.21% | 8.66% | 7.81% | -2.32% | -1.91% | -0.46% | -2.81% | -1,062 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.12% | 0.09% | 0.07% | 0.06% | 0.04% | 0.03% | -6 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.09% | 0.53% | 0.47% | 0.08% | 0.03% | 0.02% | 0.01% | -46 bps | |
| Allowance / Loans | 1.43% | 1.52% | 1.53% | 1.52% | 1.51% | 1.58% | 1.60% | 1.57% | +5 bps | |
| Allowance Coverage of NPLs | 3.1x | 5.9x | 12.7x | 17.2x | 20.8x | 27.6x | 45.0x | 56.4x | +39.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.80% | 10.91% | 11.23% | 10.61% | 11.39% | 11.35% | 11.96% | 9.72% | -89 bps | |
| Total Risk-Based Capital | 17.55% | 18.42% | 18.35% | 17.01% | 17.99% | 18.60% | 19.05% | 16.70% | -30 bps | |
| Equity / Assets | 9.37% | 9.39% | 10.24% | 8.83% | 10.18% | 10.12% | 10.97% | 10.19% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.44% | 57.44% | 58.78% | 56.64% | 63.07% | 60.72% | 60.66% | 61.69% | +505 bps | |
| Liquid Assets / Assets | 4.54% | 5.79% | 5.77% | 5.72% | 4.83% | 3.57% | 3.52% | 3.52% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 215% | 244% | n/a | |