Bonham, TX · Charter 19741
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 1.32% | 1.22% | 0.95% | 0.92% | 0.98% | 0.89% | 0.94% | 0.29% | -64 bps | |
| Return on Equity | 4.94% | 4.54% | 3.54% | 3.45% | 3.72% | 3.24% | 3.29% | 1.01% | -244 bps | |
| Net Interest Margin | 4.25% | 4.08% | 3.84% | 3.70% | 3.70% | 3.80% | 4.23% | 3.96% | +26 bps | |
| Efficiency Ratio | 69.10% | 70.48% | 75.88% | 75.72% | 74.00% | 77.18% | 77.45% | 80.29% | +457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.64% | -4.46% | -1.76% | 1.32% | 4.62% | 0.92% | -2.72% | -3.61% | -493 bps | |
| Loan Growth (YoY) | -2.13% | -9.55% | -5.94% | -3.33% | 4.42% | 9.54% | 5.79% | 3.92% | +725 bps | |
| Share Growth (YoY) | -11.93% | -7.73% | -3.98% | 0.19% | 4.89% | -0.03% | -4.99% | -6.00% | -619 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.65% | 0.24% | 1.55% | 0.28% | 1.07% | 2.05% | 2.65% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.72% | 26.81% | 26.92% | 26.75% | 26.51% | 27.46% | 28.58% | 28.33% | +158 bps | |
| Net Worth / Assets | 26.72% | 26.81% | 26.92% | 26.75% | 26.51% | 27.46% | 28.58% | 28.33% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.70% | 99.75% | 99.54% | 100.15% | 102.24% | 109.30% | 110.83% | 110.72% | +1,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |