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 (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 | 1.68% | 1.70% | 1.86% | 1.95% | 2.03% | 2.17% | 6.48% | 4.15% | +220 bps | |
| Return on Equity | 16.62% | 16.63% | 17.30% | 18.01% | 18.75% | 20.02% | 56.35% | 35.73% | +1,773 bps | |
| Net Interest Margin | 4.16% | 4.12% | 4.27% | 4.26% | 4.32% | 4.12% | 3.98% | 3.99% | -27 bps | |
| Efficiency Ratio | 52.83% | 52.91% | 49.35% | 48.47% | 47.42% | 45.71% | 24.31% | 31.06% | -1,741 bps | |
| Non-Interest Burden | 2.00% | 1.98% | 1.88% | 1.78% | 1.78% | 1.51% | -4.66% | -1.46% | -324 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.57% | -2.95% | 1.61% | 12.39% | 14.52% | 14.80% | 17.61% | 7.32% | -507 bps | |
| Loan Growth (YoY) | -1.73% | 3.34% | 2.92% | -3.79% | -5.73% | -5.71% | -5.46% | -6.83% | -304 bps | |
| Deposit Growth (YoY) | -4.29% | -4.62% | 0.23% | 12.13% | 14.43% | 14.44% | 15.67% | 6.07% | -606 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.47% | 1.61% | 0.84% | +84 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.19% | 0.10% | +10 bps | |
| Allowance / Loans | 0.81% | 0.80% | 0.82% | 0.84% | 0.84% | 0.83% | 1.06% | 1.06% | +23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.6x | 0.7x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 10.55% | 10.90% | 11.21% | 11.32% | 10.93% | 12.33% | 11.63% | +42 bps | |
| Total Risk-Based Capital | 12.96% | 12.69% | 13.81% | 13.92% | 14.71% | 14.48% | 17.24% | 11.63% | -229 bps | |
| Equity / Assets | 10.81% | 10.61% | 10.94% | 10.87% | 10.83% | 10.88% | 12.08% | 11.85% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.60% | 89.74% | 85.71% | 81.01% | 75.46% | 73.94% | 70.06% | 71.16% | -985 bps | |
| Liquid Assets / Assets | 6.25% | 6.00% | 6.21% | 4.31% | 4.92% | 4.82% | 5.89% | 7.42% | +311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 230% | 200% | 161.16% | n/a | n/a | |