Crowley, TX · Cert 20099 · Teb Trust
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
100
Profitability
7
Liquidity
0
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Crowley, TX · Cert 20099 · Teb Trust
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.4% share · #25 of 166 inst. · $2.6B 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 | 3.72% | 3.24% | 1.71% | 1.32% | 0.55% | 0.61% | 1.09% | 0.34% | -99 bps | |
| Return on Equity | 32.18% | 29.82% | 17.03% | 12.18% | 5.44% | 6.29% | 12.39% | 3.89% | -830 bps | |
| Net Interest Margin | 5.48% | 4.84% | 3.44% | 3.46% | 3.42% | 3.36% | 2.13% | 1.99% | -147 bps | |
| Efficiency Ratio | 45.39% | 48.70% | 68.67% | 75.03% | 88.69% | 76.24% | 83.62% | 95.17% | +2,014 bps | |
| Non-Interest Burden | 0.56% | 0.72% | 1.11% | 1.75% | 2.64% | 1.64% | 0.81% | 1.68% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 57.26% | 62.75% | 18.03% | -19.38% | 7.81% | 1.57% | 28.12% | 42.54% | +6,192 bps | |
| Loan Growth (YoY) | -6.48% | 5.64% | -16.75% | -25.32% | -21.49% | -19.13% | -30.24% | -23.70% | +162 bps | |
| Deposit Growth (YoY) | 10.68% | 24.17% | 21.75% | 7.42% | 6.96% | -4.54% | -5.82% | 2.07% | -536 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.26% | 1.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.68% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.87% | 1.29% | 1.31% | 1.38% | 1.69% | 1.51% | 1.33% | 1.39% | +1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.0x | 1.2x | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.57% | 12.65% | 12.45% | 12.39% | 11.46% | 12.03% | 12.83% | 12.44% | +5 bps | |
| Total Risk-Based Capital | 24.10% | 23.73% | 26.78% | 29.78% | 24.81% | 26.22% | 31.37% | 30.82% | +104 bps | |
| Equity / Assets | 9.63% | 8.73% | 11.80% | 12.82% | 8.11% | 8.57% | 9.10% | 8.21% | -461 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.05% | 43.35% | 35.93% | 35.08% | 33.80% | 36.72% | 26.61% | 26.23% | -886 bps | |
| Liquid Assets / Assets | 22.32% | 25.34% | 37.40% | 35.33% | 24.42% | 23.19% | 35.62% | 33.58% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 29.06% | 31.25% | 29.39% | n/a | n/a | |
Crowley, TX · Cert 20099 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · Teb Trust
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.33%
Rank 18 of 20
Net Interest Margin
1.99%
Rank 20 of 20
Efficiency Ratio
95.17%
Rank 19 of 20
Equity / Assets
8.21%
Rank 18 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.68% | 1.15% | 1.86% | Beats 10% | 18 / 20 | ||
| Return on Equity | 4.02% | 7.45% | 10.95% | 14.25% | Beats 10% | 18 / 20 | ||
| Net Interest Margin | 1.99% | 2.87% | 3.58% | 4.28% | Beats 0% | 20 / 20 | ||
| Efficiency Ratio | 95.17% | 52.33% | 65.48% | 74.79% | Beats 10% | 19 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.42% | 1.54% | Beats 100% | 4 / 20 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.14% | Beats 100% | 4 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 30.06% | 13.35% | 15.71% | 17.39% | Beats 90% | 2 / 20 | ||
| Total Risk-Based Capital Ratio | 30.82% | 14.55% | 16.02% | 18.64% | Beats 90% | 2 / 20 | ||
| Equity / Assets | 8.21% | 9.74% | 11.64% | 13.21% | Beats 10% | 18 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.23% | 72.63% | 81.14% | 96.60% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 15.44% | 60.26% | 69.54% | 79.68% | 5th pctl | 19 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||