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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.59% | 2.37% | 1.97% | 2.04% | 2.36% | 1.90% | 1.78% | 1.52% | -52 bps | |
| Return on Equity | 22.37% | 22.39% | 17.97% | 17.78% | 19.42% | 15.01% | 13.89% | 11.93% | -585 bps | |
| Net Interest Margin | 4.55% | 4.41% | 3.92% | 3.99% | 4.37% | 3.60% | 3.77% | 3.37% | -62 bps | |
| Efficiency Ratio | 29.38% | 31.22% | 35.23% | 35.51% | 32.28% | 38.46% | 39.25% | 42.45% | +695 bps | |
| Non-Interest Burden | 1.28% | 1.33% | 1.34% | 1.36% | 1.36% | 1.34% | 1.43% | 1.38% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 0.26% | 3.00% | -4.50% | 0.85% | 0.09% | -1.36% | 3.83% | +833 bps | |
| Loan Growth (YoY) | -4.42% | -2.80% | -6.95% | -6.81% | -8.47% | -10.43% | -5.06% | -2.16% | +465 bps | |
| Deposit Growth (YoY) | 4.66% | 5.42% | 13.69% | -4.48% | -0.45% | -1.60% | -2.41% | 9.64% | +1,412 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 1.19% | 1.27% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.34% | 1.28% | 1.34% | 1.43% | 1.43% | 1.40% | 1.41% | 1.46% | +3 bps | |
| Allowance Coverage of NPLs | 9.3x | 1.1x | 1.1x | 1.1x | 11.4x | 15.7x | 2.9x | 3.0x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 10.94% | 11.31% | 11.63% | 12.48% | 12.59% | 13.04% | 13.01% | +138 bps | |
| Total Risk-Based Capital | 11.52% | 11.56% | 12.67% | 14.13% | 15.35% | 15.50% | 15.39% | 16.33% | +220 bps | |
| Equity / Assets | 10.19% | 10.98% | 10.96% | 12.05% | 12.26% | 13.07% | 12.54% | 12.91% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.22% | 106.39% | 94.59% | 97.15% | 91.23% | 96.85% | 92.02% | 86.69% | -1,046 bps | |
| Liquid Assets / Assets | 15.25% | 10.08% | 19.70% | 20.52% | 22.89% | 19.41% | 22.80% | 25.17% | +465 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 335% | 330% | 332% | n/a | n/a | |