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 | |