Carmine, TX · Cert 19278
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.08% | 1.04% | 0.58% | 0.92% | 1.10% | +2 bps | |
| Return on Equity | 22.74% | 20.52% | 10.27% | 16.41% | 18.85% | -389 bps | |
| Net Interest Margin | 2.22% | 2.22% | 2.29% | 2.09% | 2.33% | +11 bps | |
| Efficiency Ratio | 57.49% | 53.78% | 72.30% | 54.39% | 53.89% | -360 bps | |
| Non-Interest Burden | 1.22% | 1.14% | 1.62% | 1.07% | 1.20% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.02% | 13.43% | 16.65% | 11.75% | 10.01% | +99 bps | |
| Loan Growth (YoY) | 21.11% | 13.23% | 5.32% | 4.73% | 4.99% | -1,612 bps | |
| Deposit Growth (YoY) | 9.92% | 14.26% | 15.62% | 10.91% | 8.27% | -165 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.24% | 1.29% | 1.21% | 1.77% | 0.50% | -74 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.51% | 0.52% | 0.58% | 0.57% | 0.56% | +5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.3x | 1.1x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.26% | 10.06% | 9.47% | 9.69% | 10.00% | -26 bps | |
| Total Risk-Based Capital | 10.26% | 10.06% | 9.47% | 9.69% | 10.00% | -26 bps | |
| Equity / Assets | 4.72% | 5.39% | 5.81% | 5.42% | 6.23% | +151 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.77% | 27.57% | 28.23% | 28.42% | 28.87% | -90 bps | |
| Liquid Assets / Assets | 34.71% | 36.24% | 34.75% | 35.09% | 34.74% | +3 bps | |
| CRE / Total Capital | n/a | 23.71% | 25.41% | 27.69% | n/a | n/a | |