Sundown, TX · Cert 18780 · Sundown Bankshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 1.0% share · #18 of 31 inst. · $0.1B of $14.3B
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 | 2.04% | 2.19% | 2.54% | 6.48% | 1.77% | -27 bps | |
| Return on Equity | 18.70% | 20.18% | 23.40% | 56.35% | 14.77% | -392 bps | |
| Net Interest Margin | 4.33% | 4.77% | 4.24% | 3.98% | 4.00% | -33 bps | |
| Efficiency Ratio | 47.65% | 45.56% | 41.50% | 24.31% | 48.59% | +94 bps | |
| Non-Interest Burden | 1.71% | 1.93% | 1.00% | -4.66% | 1.74% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.39% | 14.52% | 14.80% | 17.61% | 7.32% | -507 bps | |
| Loan Growth (YoY) | -3.79% | -5.73% | -5.71% | -5.46% | -6.83% | -304 bps | |
| Deposit Growth (YoY) | 12.13% | 14.43% | 14.44% | 15.67% | 6.07% | -606 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 1.47% | 1.61% | 0.84% | +84 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.19% | 0.00% | 0 bps | |
| Allowance / Loans | 0.84% | 0.84% | 0.83% | 1.06% | 1.06% | +23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.6x | 0.7x | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.21% | 11.32% | 10.93% | 12.33% | 11.63% | +42 bps | |
| Total Risk-Based Capital | 13.92% | 14.71% | 14.48% | 17.24% | 11.63% | -229 bps | |
| Equity / Assets | 10.87% | 10.83% | 10.88% | 12.08% | 11.85% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.01% | 75.46% | 73.94% | 70.06% | 71.16% | -985 bps | |
| Liquid Assets / Assets | 4.31% | 4.92% | 4.82% | 5.89% | 7.42% | +311 bps | |
| CRE / Total Capital | n/a | 230% | 200% | 161.16% | n/a | n/a | |