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 (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 | 1.33% | 1.38% | 1.10% | 1.26% | 1.36% | 1.42% | 1.82% | 1.83% | +56 bps | |
| Return on Equity | 12.78% | 13.17% | 10.36% | 11.57% | 12.21% | 12.44% | 14.71% | 14.67% | +310 bps | |
| Net Interest Margin | 3.58% | 3.48% | 3.64% | 3.92% | 4.15% | 4.22% | 4.59% | 4.72% | +80 bps | |
| Efficiency Ratio | 57.09% | 56.39% | 63.95% | 60.36% | 58.95% | 58.85% | 51.74% | 52.77% | -759 bps | |
| Non-Interest Burden | 1.83% | 1.75% | 2.18% | 2.19% | 2.25% | 2.28% | 1.95% | 2.15% | -3 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% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.17% | 0.11% | +10 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 | |