Lovelady, TX · Cert 21807
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 1.15% | 1.04% | 1.21% | 0.94% | 1.11% | 1.03% | 0.85% | 0.93% | -2 bps | |
| Return on Equity | 9.90% | 9.04% | 10.74% | 8.35% | 9.67% | 9.01% | 7.21% | 7.67% | -68 bps | |
| Net Interest Margin | 4.45% | 4.32% | 3.96% | 4.04% | 4.17% | 4.12% | 3.82% | 4.07% | +3 bps | |
| Efficiency Ratio | 70.94% | 73.38% | 66.29% | 73.21% | 69.73% | 70.92% | 79.36% | 75.48% | +228 bps | |
| Non-Interest Burden | 2.98% | 3.00% | 2.45% | 2.82% | 2.74% | 2.76% | 2.74% | 2.87% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 4.39% | 13.87% | 9.36% | 3.09% | 5.71% | -3.57% | -4.36% | -1,373 bps | |
| Loan Growth (YoY) | 4.45% | 1.68% | 3.54% | 5.06% | 4.98% | 4.34% | -0.01% | 0.18% | -488 bps | |
| Deposit Growth (YoY) | 3.04% | 3.60% | 14.48% | 9.63% | 2.69% | 5.39% | -4.83% | -5.86% | -1,548 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.10% | 0.70% | 0.80% | 0.84% | 0.73% | 0.95% | 1.42% | +62 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.02% | 0.06% | 0.08% | 0.15% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.43% | 1.45% | 1.41% | 1.43% | 1.40% | 1.40% | 1.43% | 1.43% | -1 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.3x | 2.0x | 1.8x | 1.7x | 1.9x | 1.5x | 1.0x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.88% | 11.91% | 11.87% | 11.91% | 12.08% | 11.80% | 12.25% | 12.84% | +93 bps | |
| Total Risk-Based Capital | 24.08% | 23.13% | 23.18% | 23.35% | 23.62% | 22.99% | 24.18% | 24.56% | +121 bps | |
| Equity / Assets | 11.78% | 11.35% | 11.16% | 11.43% | 11.89% | 11.56% | 12.14% | 12.62% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.35% | 50.75% | 48.57% | 49.35% | 50.45% | 50.24% | 51.03% | 52.51% | +317 bps | |
| Liquid Assets / Assets | 26.07% | 25.84% | 26.55% | 25.51% | 21.37% | 23.42% | 22.89% | 11.97% | -1,353 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 45.11% | 54.21% | 51.86% | n/a | n/a | |