Dallas, TX · Cert 19080 · Inwood Bancshares Inc.
National charter · OCC · 12 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.5% share · #20 of 166 inst. · $3.7B of $732.8B
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 | 0.63% | 0.75% | 0.88% | 0.95% | 1.12% | 0.94% | 1.19% | 1.27% | +32 bps | |
| Return on Equity | 6.57% | 7.66% | 8.49% | 8.88% | 10.38% | 8.84% | 10.92% | 11.22% | +233 bps | |
| Net Interest Margin | 1.66% | 1.90% | 2.09% | 2.26% | 2.42% | 2.76% | 2.74% | 2.95% | +69 bps | |
| Efficiency Ratio | 56.47% | 54.75% | 49.31% | 48.50% | 44.96% | 45.88% | 38.44% | 37.92% | -1,059 bps | |
| Non-Interest Burden | 0.85% | 0.96% | 0.96% | 1.01% | 1.01% | 1.19% | 0.97% | 1.03% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 4.20% | -1.49% | -8.10% | -6.31% | 0.69% | 1.38% | 0.59% | +868 bps | |
| Loan Growth (YoY) | 2.26% | 0.29% | -2.66% | -2.25% | -2.78% | 3.52% | 3.12% | 1.69% | +394 bps | |
| Deposit Growth (YoY) | 10.19% | 6.70% | 7.74% | -2.06% | -0.93% | 4.91% | 0.74% | -0.42% | +163 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.74% | 0.74% | 0.76% | 0.75% | 0.76% | 0.56% | 0.49% | 0.37% | -39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.65% | 0.32% | 0.50% | +50 bps | |
| Allowance / Loans | 0.88% | 0.87% | 0.91% | 0.88% | 0.89% | 0.83% | 0.87% | 0.87% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.2x | 1.2x | 1.2x | 1.5x | 1.8x | 2.4x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 9.24% | 9.80% | 10.16% | 10.07% | 10.16% | 10.52% | 10.79% | +63 bps | |
| Total Risk-Based Capital | 14.62% | 15.30% | 15.93% | 15.84% | 16.20% | 15.86% | 16.72% | 16.98% | +114 bps | |
| Equity / Assets | 9.50% | 10.10% | 10.54% | 10.88% | 10.70% | 10.63% | 11.09% | 11.64% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.44% | 65.29% | 63.08% | 66.33% | 63.23% | 64.42% | 64.57% | 67.74% | +141 bps | |
| Liquid Assets / Assets | 44.79% | 43.11% | 42.42% | 39.98% | 42.68% | 41.80% | 41.84% | 39.32% | -66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 449% | 459% | 436% | n/a | n/a | |