Rockwall, TX · Cert 21693 · PFBS Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #93 of 166 inst. · $0.3B 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 | 1.40% | 1.41% | 1.52% | 1.10% | 0.97% | 1.00% | 1.30% | 1.31% | +21 bps | |
| Return on Equity | 11.95% | 11.42% | 9.68% | 7.04% | 6.50% | 6.81% | 9.28% | 9.19% | +215 bps | |
| Net Interest Margin | 3.16% | 3.27% | 3.73% | 3.72% | 3.12% | 3.16% | 3.62% | 3.66% | -6 bps | |
| Efficiency Ratio | 41.36% | 41.62% | 68.56% | 66.17% | 64.94% | 60.22% | 55.53% | 52.67% | -1,350 bps | |
| Non-Interest Burden | 1.31% | 1.36% | 2.57% | 2.46% | 2.02% | 1.90% | 2.00% | 1.92% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.69% | -12.41% | -16.86% | -9.19% | 16.66% | 24.68% | 28.27% | 17.02% | +2,620 bps | |
| Loan Growth (YoY) | 17.17% | 12.29% | 3.02% | 7.11% | 7.90% | 17.67% | 18.15% | 21.67% | +1,456 bps | |
| Deposit Growth (YoY) | -2.23% | -7.86% | -14.64% | -4.30% | 18.03% | 28.63% | 34.81% | 19.38% | +2,368 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.38% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.49% | -0.17% | -0.13% | -0.08% | 0.00% | 0.01% | 0.00% | +13 bps | |
| Allowance / Loans | 1.11% | 1.13% | 0.92% | 1.07% | 1.05% | 1.15% | 1.15% | 1.16% | +9 bps | |
| Allowance Coverage of NPLs | 2.9x | 11.1x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.35% | 11.74% | 15.71% | 15.96% | 13.58% | 13.40% | 13.66% | 14.37% | -159 bps | |
| Total Risk-Based Capital | 11.35% | 11.74% | 15.71% | 15.96% | 13.58% | 13.40% | 13.66% | 14.37% | -159 bps | |
| Equity / Assets | 13.06% | 15.20% | 16.17% | 15.58% | 13.11% | 14.13% | 13.82% | 14.81% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.08% | 89.37% | 87.94% | 82.77% | 71.38% | 81.75% | 77.07% | 84.36% | +159 bps | |
| Liquid Assets / Assets | 34.23% | 27.38% | 29.58% | 32.81% | 39.78% | 32.43% | 35.79% | 30.98% | -183 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 230% | 238% | 226% | n/a | n/a | |