Terrell, TX · Cert 23474 · A N B Holding Co. Ltd.
National charter · OCC · 28 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.6% share · #18 of 166 inst. · $4.4B 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 | 0.50% | 0.43% | 0.51% | 0.51% | 0.39% | 0.40% | 0.59% | 0.63% | +12 bps | |
| Return on Equity | 12.32% | 10.45% | 11.27% | 10.66% | 7.82% | 8.13% | 11.17% | 11.51% | +86 bps | |
| Net Interest Margin | 2.28% | 2.28% | 2.52% | 2.42% | 2.43% | 2.47% | 2.71% | 2.75% | +33 bps | |
| Efficiency Ratio | 77.09% | 76.02% | 75.73% | 77.89% | 78.03% | 77.53% | 75.13% | 74.79% | -310 bps | |
| Non-Interest Burden | 1.64% | 1.61% | 1.78% | 1.76% | 1.77% | 1.78% | 1.89% | 1.90% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | -9.97% | -2.95% | 0.82% | -1.76% | 24.78% | 0.50% | 0.00% | -81 bps | |
| Loan Growth (YoY) | 5.85% | 5.67% | 6.95% | 5.93% | 7.83% | 5.57% | 5.73% | 4.78% | -115 bps | |
| Deposit Growth (YoY) | 9.60% | 8.03% | 8.92% | 5.05% | 1.73% | 24.46% | -0.95% | -2.25% | -730 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.10% | 0.11% | 0.09% | 0.17% | 0.25% | 0.23% | +12 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | 0.03% | -1 bps | |
| Allowance / Loans | 1.16% | 1.21% | 1.21% | 1.19% | 1.18% | 1.23% | 1.25% | 1.26% | +7 bps | |
| Allowance Coverage of NPLs | 11.5x | 12.6x | 12.2x | 10.5x | 13.1x | 7.1x | 5.0x | 5.4x | -5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.72% | 8.52% | 8.69% | 8.70% | 8.76% | 8.60% | 8.61% | 8.84% | +14 bps | |
| Total Risk-Based Capital | 14.30% | 13.79% | 13.75% | 13.54% | 13.36% | 13.13% | 13.36% | 13.55% | +1 bps | |
| Equity / Assets | 5.24% | 4.23% | 4.84% | 5.16% | 5.81% | 4.69% | 5.91% | 5.96% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.76% | 60.29% | 66.84% | 68.94% | 69.71% | 51.14% | 71.35% | 73.90% | +496 bps | |
| Liquid Assets / Assets | 4.24% | 4.21% | 2.81% | 1.89% | 1.89% | 15.98% | 1.62% | 1.31% | -59 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 416% | 414% | 420% | n/a | n/a | |