Zapata, TX · Cert 18454
National charter · 1 branch
Q2 2026
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 | 1.36% | 1.34% | 1.46% | 1.43% | 1.43% | 1.56% | 1.33% | 0.23% | -120 bps | |
| Return on Equity | 10.18% | 10.05% | 10.66% | 10.19% | 9.99% | 10.82% | 8.77% | 1.81% | -838 bps | |
| Net Interest Margin | 3.59% | 3.44% | 3.39% | 3.51% | 3.60% | 3.60% | 3.57% | 3.57% | +6 bps | |
| Efficiency Ratio | 58.04% | 59.01% | 55.39% | 57.30% | 57.49% | 56.75% | 59.22% | 66.26% | +896 bps | |
| Non-Interest Burden | 1.82% | 1.78% | 1.55% | 1.69% | 1.76% | 1.63% | 1.87% | 2.18% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -3.51% | -0.64% | -1.02% | -3.54% | 0.24% | -4.97% | 10.00% | +1,102 bps | |
| Loan Growth (YoY) | 4.76% | -0.52% | -1.60% | -2.87% | -2.22% | -2.24% | -2.91% | -4.04% | -118 bps | |
| Deposit Growth (YoY) | -3.63% | -4.58% | -1.66% | -2.31% | -4.73% | -1.13% | -6.95% | 18.93% | +2,124 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.74% | 0.01% | 0.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.14% | 1.14% | 1.14% | 1.15% | 1.18% | 1.18% | +4 bps | |
| Allowance Coverage of NPLs | 0.3x | 108.0x | 2.7x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.95% | 14.05% | 14.55% | 15.01% | 15.42% | 15.04% | 15.78% | 8.65% | -636 bps | |
| Total Risk-Based Capital | 14.95% | 14.05% | 14.55% | 15.01% | 15.42% | 15.04% | 15.78% | 8.65% | -636 bps | |
| Equity / Assets | 14.13% | 13.57% | 13.79% | 14.64% | 15.20% | 14.75% | 15.48% | 7.76% | -688 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.69% | 51.75% | 50.20% | 53.00% | 54.08% | 51.17% | 52.38% | 42.76% | -1,024 bps | |
| Liquid Assets / Assets | 18.67% | 16.69% | 19.40% | 17.35% | 16.99% | 20.15% | 21.56% | 14.95% | -240 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 46.31% | 47.47% | 44.52% | n/a | n/a | |