Burleson, TX · Cert 23430 · Citadel Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #102 of 166 inst. · $0.2B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.58% | 2.34% | 2.36% | 2.33% | 2.13% | 2.13% | 1.91% | 1.96% | -38 bps | |
| Return on Equity | 24.69% | 21.32% | 20.22% | 19.55% | 17.89% | 18.48% | 16.10% | 15.51% | -404 bps | |
| Net Interest Margin | 4.86% | 4.57% | 4.58% | 4.42% | 4.21% | 4.27% | 3.94% | 4.04% | -39 bps | |
| Efficiency Ratio | 34.10% | 38.86% | 37.25% | 38.39% | 39.13% | 37.32% | 42.76% | 41.86% | +347 bps | |
| Non-Interest Burden | 1.49% | 1.63% | 1.56% | 1.56% | 1.50% | 1.45% | 1.56% | 1.56% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.85% | -3.52% | 0.38% | 2.04% | 3.26% | 2.83% | -7.01% | -5.95% | -799 bps | |
| Loan Growth (YoY) | 9.19% | 3.18% | -0.32% | -6.15% | -10.74% | -5.73% | -0.03% | 4.73% | +1,088 bps | |
| Deposit Growth (YoY) | 10.98% | -5.83% | -1.50% | 0.32% | 1.66% | 3.23% | -7.77% | -6.56% | -688 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.12% | 0.08% | 0.00% | -0.05% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.33% | 1.32% | 1.35% | 1.33% | 1.36% | 1.39% | 1.34% | 1.34% | +1 bps | |
| Allowance Coverage of NPLs | 21.8x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 11.51% | 12.15% | 12.09% | 11.91% | 11.19% | 12.15% | 12.59% | +50 bps | |
| Total Risk-Based Capital | 10.43% | 11.51% | 12.15% | 12.09% | 11.91% | 11.19% | 12.15% | 12.59% | +50 bps | |
| Equity / Assets | 10.47% | 11.44% | 11.93% | 11.94% | 11.91% | 11.13% | 12.66% | 12.57% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.81% | 47.04% | 44.29% | 42.45% | 41.98% | 42.96% | 48.01% | 47.58% | +513 bps | |
| Liquid Assets / Assets | 49.54% | 54.78% | 57.62% | 59.30% | 59.70% | 58.50% | 54.57% | 54.87% | -444 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 229% | 256% | 257% | n/a | n/a | |