McLean, TX · Cert 25328
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 1.0% share · #11 of 21 inst. · $0.1B of $11.7B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 1.55% | 1.11% | 1.71% | 1.56% | +2 bps | |
| Return on Equity | 13.93% | 13.84% | 9.78% | 14.61% | 13.01% | -92 bps | |
| Net Interest Margin | 3.93% | 4.21% | 3.79% | 3.48% | 4.22% | +29 bps | |
| Efficiency Ratio | 51.65% | 51.03% | 64.34% | 52.34% | 56.08% | +443 bps | |
| Non-Interest Burden | 2.01% | 2.13% | 2.43% | 1.79% | 2.33% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.73% | -2.51% | 0.37% | 1.42% | 4.00% | +673 bps | |
| Loan Growth (YoY) | 10.57% | 7.18% | -0.62% | 0.59% | 2.82% | -774 bps | |
| Deposit Growth (YoY) | 0.85% | -4.75% | -0.79% | 0.36% | 3.57% | +271 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.53% | 1.54% | 1.50% | 1.52% | 1.49% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.28% | 12.46% | 11.07% | 10.08% | 12.41% | +113 bps | |
| Total Risk-Based Capital | 16.91% | 19.13% | 16.77% | 15.66% | 17.27% | +36 bps | |
| Equity / Assets | 12.22% | 11.55% | 11.81% | 11.59% | 12.67% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.50% | 78.68% | 84.55% | 78.76% | 85.88% | -62 bps | |
| Liquid Assets / Assets | 6.92% | 17.94% | 11.30% | 14.70% | 7.13% | +21 bps | |
| CRE / Total Capital | n/a | 179.75% | 202% | 197.69% | n/a | n/a | |