Corpus Christi, TX · Cert 20241
FDIC · 18 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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 operating in a single state (n=293). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
72
Profitability
27
Liquidity
91
Efficiency
1
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.
Corpus Christi, TX · Cert 20241
FDIC · 18 branches
Q4 2025
Market Position · Corpus Christi, TX · 2025 SOD (annual) · 17.4% share · #2 of 17 inst. · $1.4B of $8.0B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.70% | 0.78% | 1.19% | 0.88% | 0.84% | 0.94% | -0.84% | -203 bps | |
| Return on Equity | 8.76% | 7.80% | 8.56% | 12.80% | 9.18% | 8.89% | 9.80% | -8.99% | -2,179 bps | |
| Net Interest Margin | 3.42% | 3.43% | 3.52% | 3.54% | 3.71% | 3.75% | 3.78% | 3.79% | +25 bps | |
| Efficiency Ratio | 70.44% | 74.10% | 71.37% | 63.76% | 68.45% | 70.01% | 68.30% | 96.77% | +3,301 bps | |
| Non-Interest Burden | 2.24% | 2.39% | 2.34% | 1.89% | 2.33% | 2.43% | 2.37% | 3.63% | +174 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.12% | 2.86% | 2.03% | 2.47% | 1.65% | 1.28% | 2.55% | -0.77% | -324 bps | |
| Loan Growth (YoY) | 9.61% | 3.49% | 0.04% | 0.73% | 2.76% | 7.11% | 12.08% | 10.68% | +994 bps | |
| Deposit Growth (YoY) | -0.18% | 6.26% | 4.21% | 6.25% | 5.77% | 1.17% | 2.87% | 0.56% | -569 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.29% | 0.34% | 0.34% | 0.29% | 0.27% | 0.27% | 0.24% | -11 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.13% | 0.14% | 0.14% | 0.11% | 0.13% | 0.11% | 0.11% | -3 bps | |
| Allowance / Loans | 1.01% | 1.02% | 1.06% | 1.05% | 1.05% | 1.06% | 1.05% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | 11.1x | 3.5x | 3.1x | 3.1x | 3.6x | 4.0x | 3.9x | 4.4x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.35% | 9.56% | 10.10% | 9.64% | 9.56% | 9.58% | 7.12% | -297 bps | |
| Total Risk-Based Capital | 13.59% | 13.78% | 14.11% | 14.64% | 13.51% | 13.20% | 12.61% | 9.85% | -479 bps | |
| Equity / Assets | 9.01% | 8.86% | 9.66% | 9.75% | 9.36% | 9.36% | 9.77% | 8.43% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.62% | 74.20% | 74.56% | 76.34% | 77.35% | 78.56% | 81.23% | 84.02% | +768 bps | |
| Liquid Assets / Assets | 6.72% | 9.69% | 9.89% | 9.03% | 8.01% | 7.52% | 5.91% | 8.65% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 410% | 555% | n/a | |
Corpus Christi, TX · Cert 20241 · Peer group: banks $1B-$10B in assets operating in a single state (n=293)
FDIC · 18 branches
Q4 2025
Return on Assets
-0.85%
Rank 291 of 293
Net Interest Margin
3.79%
Rank 59 of 293
Efficiency Ratio
97.94%
Rank 290 of 293
Equity / Assets
8.43%
Rank 252 of 293
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.85% | 0.78% | 1.08% | 1.37% | Beats 1% | 291 / 293 | ||
| Return on Equity | -10.08% | 7.54% | 10.71% | 13.42% | Beats 0% | 292 / 293 | ||
| Net Interest Margin | 3.79% | 2.90% | 3.26% | 3.64% | Beats 80% | 59 / 293 | ||
| Efficiency Ratio | 97.94% | 53.70% | 62.37% | 70.86% | Beats 1% | 290 / 293 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.20% | 0.45% | 0.94% | Beats 72% | 82 / 293 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.78% | 11.58% | 13.17% | 15.13% | Beats 1% | 291 / 293 | ||
| Total Risk-Based Capital Ratio | 9.85% | 12.40% | 14.02% | 16.17% | Beats 5% | 277 / 293 | ||
| Equity / Assets | 8.43% | 9.03% | 10.09% | 11.77% | Beats 14% | 252 / 293 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.02% | 73.95% | 86.02% | 95.31% | 42nd pctl | 170 / 293 | ||
| Loans / Assets | 76.16% | 63.41% | 72.88% | 78.58% | 63rd pctl | 108 / 293 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | 1.43% | 7.87% | Beats 100% | 106 / 293 | ||