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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.61% | 0.94% | 2.38% | 0.88% | 0.81% | 1.12% | -6.93% | -930 bps | |
| Return on Equity | 8.76% | 6.86% | 10.21% | 24.49% | 9.18% | 8.69% | 11.73% | -76.05% | -10,054 bps | |
| Net Interest Margin | 3.42% | 3.48% | 3.68% | 3.71% | 3.71% | 3.84% | 3.96% | 3.88% | +17 bps | |
| Efficiency Ratio | 70.44% | 77.65% | 66.19% | 48.39% | 68.45% | 71.51% | 65.15% | 191.80% | +14,341 bps | |
| Non-Interest Burden | 2.24% | 2.57% | 2.24% | 0.63% | 2.33% | 2.56% | 2.33% | 7.46% | +683 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% | 0.15% | 0.11% | 0.15% | 0.10% | 0.09% | -7 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 | |