Midland, TX · Cert 18576 · Tall City Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Midland, TX · 2026 SOD (annual) · 2.6% share · #9 of 15 inst. · $0.2B of $9.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.02% | 2.13% | 2.08% | 1.78% | 1.65% | -37 bps | |
| Return on Equity | 17.87% | 18.40% | 17.51% | 13.89% | 12.86% | -501 bps | |
| Net Interest Margin | 3.92% | 4.13% | 3.91% | 3.77% | 3.51% | -41 bps | |
| Efficiency Ratio | 35.37% | 34.28% | 35.25% | 39.25% | 40.79% | +542 bps | |
| Non-Interest Burden | 1.34% | 1.37% | 1.33% | 1.43% | 1.39% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.50% | 0.85% | 0.09% | -1.36% | 3.83% | +833 bps | |
| Loan Growth (YoY) | -6.81% | -8.47% | -10.43% | -5.06% | -2.16% | +465 bps | |
| Deposit Growth (YoY) | -4.48% | -0.45% | -1.60% | -2.41% | 9.64% | +1,412 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.34% | 0.13% | 0.09% | 0.48% | 0.48% | -86 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.43% | 1.40% | 1.41% | 1.46% | +3 bps | |
| Allowance Coverage of NPLs | 1.1x | 11.4x | 15.7x | 2.9x | 3.0x | +1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.63% | 12.48% | 12.59% | 13.04% | 13.01% | +138 bps | |
| Total Risk-Based Capital | 14.13% | 15.35% | 15.50% | 15.39% | 16.33% | +220 bps | |
| Equity / Assets | 12.05% | 12.26% | 13.07% | 12.54% | 12.91% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.15% | 91.23% | 96.85% | 92.02% | 86.69% | -1,046 bps | |
| Liquid Assets / Assets | 20.52% | 22.89% | 19.41% | 22.80% | 25.17% | +465 bps | |
| CRE / Total Capital | n/a | 335% | 330% | 332% | n/a | n/a | |