Powell, TX · Cert 18302 · Producer Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 0.2% share · #16 of 20 inst. · $0.0B 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 | -1.63% | -0.98% | -0.58% | -0.70% | -1.39% | -0.84% | -1.32% | -0.82% | -12 bps | |
| Return on Equity | -16.62% | -6.45% | -1.99% | -2.39% | -4.80% | -2.94% | -5.27% | -3.34% | -95 bps | |
| Net Interest Margin | 4.22% | 0.20% | 3.63% | 4.10% | 4.20% | 3.80% | 3.83% | 3.78% | -33 bps | |
| Efficiency Ratio | 85.39% | 336% | 109.05% | 111.91% | 121.91% | 121.38% | 118.54% | 116.85% | +494 bps | |
| Non-Interest Burden | 3.49% | 0.69% | 3.89% | 4.48% | 5.02% | 4.56% | 4.59% | 4.44% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.71% | 49.79% | 43.46% | 48.75% | 54.81% | 9.56% | 13.76% | 21.59% | -2,716 bps | |
| Loan Growth (YoY) | -10.50% | -13.58% | -14.05% | -8.19% | 10.73% | 20.26% | 48.89% | 53.55% | +6,173 bps | |
| Deposit Growth (YoY) | -3.67% | 16.74% | 10.74% | 14.01% | 20.29% | 14.08% | 22.76% | 35.20% | +2,119 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 7.67% | 7.61% | 5.25% | 4.29% | 0.83% | 0.67% | 0.58% | -467 bps | |
| Net Charge-Offs / Loans | 0.87% | 0.01% | 1.25% | 1.34% | 0.78% | 3.45% | -1.01% | -0.62% | -197 bps | |
| Allowance / Loans | 4.54% | 9.14% | 9.19% | 8.24% | 7.32% | 4.18% | 3.78% | 3.07% | -518 bps | |
| Allowance Coverage of NPLs | 3.3x | 1.2x | 1.2x | 1.6x | 1.7x | 5.0x | 5.6x | 5.3x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.39% | 24.85% | 24.19% | 25.70% | 24.68% | 21.42% | 20.22% | 18.61% | -709 bps | |
| Total Risk-Based Capital | 9.39% | 24.85% | 24.19% | 25.70% | 24.68% | 21.42% | 20.22% | 18.61% | -709 bps | |
| Equity / Assets | 9.34% | 29.68% | 28.36% | 29.61% | 28.34% | 26.27% | 23.99% | 23.50% | -611 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.71% | 50.64% | 46.53% | 53.00% | 59.56% | 53.39% | 56.43% | 60.19% | +719 bps | |
| Liquid Assets / Assets | 22.75% | 48.92% | 40.64% | 33.77% | 27.89% | 41.91% | 27.52% | 25.17% | -860 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 41.36% | 54.28% | 70.50% | n/a | n/a | |