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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.88% | 0.84% | 0.94% | -0.84% | -203 bps | |
| Return on Equity | 12.80% | 9.18% | 8.89% | 9.80% | -8.99% | -2,179 bps | |
| Net Interest Margin | 3.54% | 3.71% | 3.75% | 3.78% | 3.79% | +25 bps | |
| Efficiency Ratio | 63.76% | 68.45% | 70.01% | 68.30% | 96.77% | +3,301 bps | |
| Non-Interest Burden | 1.89% | 2.33% | 2.43% | 2.37% | 3.63% | +174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.47% | 1.65% | 1.28% | 2.55% | -0.77% | -324 bps | |
| Loan Growth (YoY) | 0.73% | 2.76% | 7.11% | 12.08% | 10.68% | +994 bps | |
| Deposit Growth (YoY) | 6.25% | 5.77% | 1.17% | 2.87% | 0.56% | -569 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.29% | 0.27% | 0.27% | 0.24% | -11 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.11% | 0.13% | 0.11% | 0.11% | -3 bps | |
| Allowance / Loans | 1.05% | 1.05% | 1.06% | 1.05% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | 3.1x | 3.6x | 4.0x | 3.9x | 4.4x | +1.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.10% | 9.64% | 9.56% | 9.58% | 7.12% | -297 bps | |
| Total Risk-Based Capital | 14.64% | 13.51% | 13.20% | 12.61% | 9.85% | -479 bps | |
| Equity / Assets | 9.75% | 9.36% | 9.36% | 9.77% | 8.43% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.34% | 77.35% | 78.56% | 81.23% | 84.02% | +768 bps | |
| Liquid Assets / Assets | 9.03% | 8.01% | 7.52% | 5.91% | 8.65% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 410% | 555% | n/a | |