Dallas, TX · Cert 21567 · Bright Force Holding Inc.
National charter · OCC · 3 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 under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
29
Profitability
84
Liquidity
96
Efficiency
100
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.
Dallas, TX · Cert 21567 · Bright Force Holding Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #63 of 166 inst. · $0.7B 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 | 1.36% | 1.42% | 1.53% | 1.65% | 1.67% | 1.64% | 1.76% | 1.80% | +15 bps | |
| Return on Equity | 11.99% | 12.61% | 14.36% | 15.51% | 15.67% | 15.40% | 16.72% | 17.28% | +177 bps | |
| Net Interest Margin | 4.62% | 4.49% | 4.98% | 4.61% | 4.61% | 4.51% | 4.68% | 4.62% | +1 bps | |
| Efficiency Ratio | 42.56% | 41.85% | 37.50% | 37.12% | 36.32% | 35.51% | 34.52% | 33.31% | -381 bps | |
| Non-Interest Burden | 1.88% | 1.80% | 1.82% | 1.67% | 1.62% | 1.54% | 1.49% | 1.35% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.67% | 23.48% | 25.50% | 26.10% | 18.70% | 25.61% | 14.32% | 20.68% | -542 bps | |
| Loan Growth (YoY) | 25.37% | 24.94% | 35.94% | 27.95% | 24.59% | 32.90% | 23.69% | 24.41% | -354 bps | |
| Deposit Growth (YoY) | 13.85% | 26.97% | 28.91% | 29.72% | 21.66% | 29.99% | 15.81% | 23.39% | -632 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.48% | 0.09% | 0.16% | 0.14% | 0.19% | 0.25% | 0.28% | +12 bps | |
| Net Charge-Offs / Loans | 1.09% | 1.08% | 1.01% | 0.97% | 0.97% | 0.99% | 1.16% | 1.17% | +20 bps | |
| Allowance / Loans | 1.35% | 1.39% | 1.35% | 1.36% | 1.32% | 1.39% | 1.33% | 1.35% | 0 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.9x | 15.8x | 8.3x | 9.2x | 7.2x | 5.4x | 4.8x | -3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.23% | 11.10% | 11.08% | 10.60% | 10.79% | 10.61% | 10.77% | 10.75% | +15 bps | |
| Total Risk-Based Capital | 11.23% | 11.10% | 11.08% | 10.60% | 10.79% | 10.61% | 10.77% | 10.75% | +15 bps | |
| Equity / Assets | 10.95% | 11.17% | 10.23% | 10.53% | 10.82% | 10.46% | 10.56% | 10.26% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.33% | 87.14% | 84.08% | 84.39% | 89.43% | 89.10% | 89.80% | 85.09% | +70 bps | |
| Liquid Assets / Assets | 18.82% | 19.62% | 21.08% | 20.09% | 15.14% | 16.98% | 15.90% | 18.41% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 360% | 358% | 360% | n/a | n/a | |
Dallas, TX · Cert 21567 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Bright Force Holding Inc.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.70%
Rank 5 of 28
Net Interest Margin
4.62%
Rank 5 of 28
Efficiency Ratio
33.64%
Rank 1 of 28
Equity / Assets
10.26%
Rank 17 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 1.12% | 1.22% | 1.47% | Beats 82% | 5 / 28 | ||
| Return on Equity | 16.61% | 8.64% | 12.47% | 13.41% | Beats 89% | 3 / 28 | ||
| Net Interest Margin | 4.62% | 3.77% | 4.06% | 4.51% | Beats 82% | 5 / 28 | ||
| Efficiency Ratio | 33.64% | 57.39% | 61.94% | 66.78% | Beats 100% | 1 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | n/a | 0.28% | 1.06% | Beats 50% | 15 / 28 | ||
| Net Charge-Offs / Loans | 0.64% | 0.00% | 0.01% | 0.20% | Beats 7% | 27 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.75% | 12.55% | 13.77% | 17.51% | Beats 21% | 22 / 28 | ||
| Total Risk-Based Capital Ratio | 10.75% | 12.59% | 14.62% | 18.18% | Beats 21% | 22 / 28 | ||
| Equity / Assets | 10.26% | 9.58% | 11.17% | 13.58% | Beats 39% | 17 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.09% | 66.90% | 84.79% | 89.14% | 57th pctl | 12 / 28 | ||
| Loans / Assets | 72.55% | 57.58% | 73.59% | 77.32% | 46th pctl | 15 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||