Zapata, TX · Cert 18454
National charter · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.43% | 1.95% | 1.33% | -1.05% | -243 bps | |
| Return on Equity | 9.72% | 9.61% | 13.01% | 8.77% | -9.18% | -1,890 bps | |
| Net Interest Margin | 3.56% | 3.67% | 3.76% | 3.57% | 3.56% | 0 bps | |
| Efficiency Ratio | 59.15% | 57.88% | 55.00% | 59.22% | 73.55% | +1,439 bps | |
| Non-Interest Burden | 1.80% | 1.85% | 1.31% | 1.87% | 2.49% | +69 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.02% | -3.54% | 0.24% | -4.97% | 10.00% | +1,102 bps | |
| Loan Growth (YoY) | -2.87% | -2.22% | -2.24% | -2.91% | -4.04% | -118 bps | |
| Deposit Growth (YoY) | -2.31% | -4.73% | -1.13% | -6.95% | 18.93% | +2,124 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | 0.01% | 0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.15% | 1.18% | 1.18% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.01% | 15.42% | 15.04% | 15.78% | 8.65% | -636 bps | |
| Total Risk-Based Capital | 15.01% | 15.42% | 15.04% | 15.78% | 8.65% | -636 bps | |
| Equity / Assets | 14.64% | 15.20% | 14.75% | 15.48% | 7.76% | -688 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.00% | 54.08% | 51.17% | 52.38% | 42.76% | -1,024 bps | |
| Liquid Assets / Assets | 17.35% | 16.99% | 20.15% | 21.56% | 14.95% | -240 bps | |
| CRE / Total Capital | n/a | 46.31% | 47.47% | 44.52% | n/a | n/a | |