Fort Worth, TX · Cert 19559 · Texas Banc Financial Corp.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #41 of 166 inst. · $1.3B 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 | 1.35% | 1.51% | 1.10% | 1.42% | 1.58% | 1.57% | 1.82% | 1.83% | +41 bps | |
| Return on Equity | 12.66% | 14.17% | 10.36% | 12.78% | 13.48% | 12.98% | 14.71% | 14.63% | +186 bps | |
| Net Interest Margin | 3.64% | 3.76% | 3.64% | 4.07% | 4.42% | 4.44% | 4.59% | 4.92% | +85 bps | |
| Efficiency Ratio | 57.34% | 54.48% | 63.95% | 57.06% | 56.36% | 58.56% | 51.74% | 53.79% | -327 bps | |
| Non-Interest Burden | 1.85% | 1.80% | 2.18% | 2.11% | 2.28% | 2.38% | 1.95% | 2.39% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.42% | 14.71% | 9.72% | 3.91% | 1.16% | -6.14% | -4.26% | 2.58% | -133 bps | |
| Loan Growth (YoY) | 8.82% | 10.63% | 11.39% | 13.83% | 13.50% | 8.90% | 11.14% | 9.17% | -466 bps | |
| Deposit Growth (YoY) | 15.72% | 17.73% | 12.90% | 6.18% | 2.59% | -6.34% | -4.25% | 3.51% | -267 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.24% | 0.27% | 0.71% | 0.60% | 1.78% | 0.47% | 0.41% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.02% | 0.01% | 0.02% | 0.17% | 0.06% | +5 bps | |
| Allowance / Loans | 1.21% | 1.18% | 1.18% | 1.16% | 1.17% | 1.20% | 1.20% | 1.19% | +4 bps | |
| Allowance Coverage of NPLs | 2.8x | 5.0x | 4.3x | 1.6x | 2.0x | 0.7x | 2.5x | 2.9x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.05% | 10.93% | 10.79% | 11.45% | 12.02% | 12.30% | 12.67% | 12.87% | +142 bps | |
| Total Risk-Based Capital | 18.79% | 19.63% | 19.46% | 18.30% | 18.72% | 19.16% | 18.84% | 18.64% | +34 bps | |
| Equity / Assets | 10.68% | 10.58% | 10.62% | 11.61% | 11.79% | 12.37% | 12.35% | 12.65% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.52% | 89.44% | 88.32% | 101.01% | 101.25% | 103.99% | 102.52% | 106.54% | +553 bps | |
| Liquid Assets / Assets | 23.86% | 25.10% | 24.25% | 14.52% | 14.53% | 12.85% | 12.01% | 9.34% | -519 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 267% | 254% | 264% | n/a | n/a | |