Mount Pleasant, TX · Cert 22942 · Northeast Texas Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.51% | 1.22% | 1.31% | 1.09% | -61 bps | |
| Return on Equity | 21.53% | 17.42% | 12.89% | 13.84% | 11.79% | -974 bps | |
| Net Interest Margin | 4.59% | 4.81% | 4.75% | 4.57% | 4.76% | +17 bps | |
| Efficiency Ratio | 57.53% | 63.23% | 59.49% | 64.56% | 57.28% | -25 bps | |
| Non-Interest Burden | 2.36% | 2.80% | 2.50% | 2.72% | 2.43% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | 8.02% | 8.48% | 4.89% | 7.17% | +603 bps | |
| Loan Growth (YoY) | 12.21% | 15.53% | 11.36% | 6.85% | 5.61% | -660 bps | |
| Deposit Growth (YoY) | 1.02% | 9.08% | 8.70% | 5.77% | 5.62% | +459 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.40% | 0.06% | 0.07% | 0.00% | -33 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.44% | 0.68% | 0.04% | 0.03% | -12 bps | |
| Allowance / Loans | 1.80% | 1.72% | 1.79% | 1.93% | 1.95% | +15 bps | |
| Allowance Coverage of NPLs | 5.5x | 4.3x | 31.8x | 29.4x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.52% | 12.84% | 12.91% | 12.50% | 12.82% | +30 bps | |
| Total Risk-Based Capital | 12.52% | 12.84% | 12.91% | 12.50% | 12.82% | +30 bps | |
| Equity / Assets | 8.33% | 9.02% | 9.97% | 8.90% | 9.66% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.64% | 69.38% | 72.73% | 68.83% | 71.63% | 0 bps | |
| Liquid Assets / Assets | 0.19% | 4.09% | 1.18% | 4.64% | 3.00% | +281 bps | |
| CRE / Total Capital | n/a | 168.06% | 173.66% | 186.04% | n/a | n/a | |