Salt Lake City, UT · Cert 2270
National charter · OCC · 409 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 3.7% share · #4 of 107 inst. · $13.5B of $360.4B
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 | 0.87% | 0.90% | 0.77% | 0.94% | 0.96% | 1.01% | 1.05% | 1.55% | +61 bps | |
| Return on Equity | 12.67% | 13.05% | 10.92% | 13.04% | 13.08% | 13.58% | 12.87% | 18.57% | +553 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.82% | 2.86% | 2.95% | 2.97% | 2.99% | 3.01% | +15 bps | |
| Efficiency Ratio | 66.31% | 65.15% | 67.41% | 64.95% | 63.56% | 62.94% | 65.95% | 62.57% | -238 bps | |
| Non-Interest Burden | 1.53% | 1.50% | 1.63% | 1.56% | 1.56% | 1.55% | 1.67% | 1.51% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | 1.80% | 1.07% | 1.47% | 1.72% | 0.24% | -0.04% | 0.17% | -130 bps | |
| Loan Growth (YoY) | 3.60% | 2.86% | 3.32% | 4.23% | 2.60% | 2.75% | 2.20% | 2.54% | -169 bps | |
| Deposit Growth (YoY) | -0.20% | 1.72% | 1.74% | -0.23% | -1.06% | -1.00% | 1.20% | 3.46% | +369 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.53% | 0.53% | 0.51% | 0.54% | 0.52% | 0.46% | 0.47% | -4 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.10% | 0.10% | 0.09% | 0.18% | 0.15% | 0.03% | 0.04% | -5 bps | |
| Allowance / Loans | 1.18% | 1.17% | 1.16% | 1.13% | 1.12% | 1.11% | 1.09% | 1.06% | -7 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.2x | 2.2x | 2.2x | 2.1x | 2.1x | 2.4x | 2.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.62% | 8.34% | 8.37% | 8.53% | 8.80% | 8.99% | 9.12% | 9.43% | +89 bps | |
| Total Risk-Based Capital | 13.21% | 13.34% | 13.29% | 13.39% | 13.70% | 13.75% | 13.80% | 14.02% | +63 bps | |
| Equity / Assets | 7.34% | 6.90% | 7.19% | 7.42% | 7.75% | 8.07% | 8.29% | 8.63% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.70% | 77.62% | 79.01% | 82.38% | 80.58% | 80.55% | 79.78% | 81.65% | -73 bps | |
| Liquid Assets / Assets | 12.37% | 13.69% | 12.79% | 12.31% | 12.71% | 12.31% | 11.90% | 10.94% | -136 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 288% | 287% | n/a | n/a | |