PackageTrendsPeer
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Boc Bank

McLean, TX · Cert 25328

State charter, Fed member · FED · 4 branches

Q2 2026

$203.4MAssets
$151.8MLoans
$176.7MDeposits
$25.8MEquity
Loan mix
68%RE $101.2M32%C&I $46.8M0%Consumer $0.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $140.4M21%Noninterest $36.4MQ3 2024Q2 2026

Market Position · Amarillo, TX · 2026 SOD (annual) · 1.0% share · #11 of 21 inst. · $0.1B of $11.7B

1.6% Potter
100.0% Roberts
6.0% Wheeler
2.8% Gray

Executive Summary

  • Earnings: ROA of 1.40%, down 34 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.41%, up 113 bps from a year ago.
  • Funding: loans stand at 85.88% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.40%-34 bps YoY

Net Interest Margin (quarter, annualized)

4.30%+33 bps YoY

Efficiency Ratio (quarter, annualized)

59.68%+1,064 bps YoY

Tier 1 Leverage Ratio

12.41%+113 bps YoY

NIM

6.66%Q2 ’246.62%Q2 ’256.31%Q2 ’26+19%+8%

Non-interest income vs. expense

2.40%Q2 ’242.00%Q2 ’252.61%Q2 ’26-15%+33%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.64%1.34%1.73%1.62%-0.28%1.71%1.40%-34 bps
Return on Equity9.90%16.31%12.69%15.13%13.69%-2.36%14.61%11.54%-359 bps
Net Interest Margin3.46%4.50%3.75%3.98%4.33%3.87%3.48%4.30%+33 bps
Efficiency Ratio58.25%47.88%54.39%49.04%49.84%103.48%52.34%59.68%+1,064 bps
Non-Interest Burden2.04%2.31%2.05%1.90%2.14%4.00%1.79%2.54%+64 bps
Growth
Asset Growth (YoY)-9.90%-16.87%-3.75%-2.73%-2.51%0.37%1.42%4.00%+673 bps
Loan Growth (YoY)33.40%33.27%18.67%10.57%7.18%-0.62%0.59%2.82%-774 bps
Deposit Growth (YoY)0.26%-9.71%-5.28%0.85%-4.75%-0.79%0.36%3.57%+271 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.51%1.40%1.53%1.53%1.54%1.50%1.52%1.49%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.04%10.06%10.40%11.28%12.46%11.07%10.08%12.41%+113 bps
Total Risk-Based Capital15.84%15.53%16.14%16.91%19.13%16.77%15.66%17.27%+36 bps
Equity / Assets9.85%10.30%10.77%12.22%11.55%11.81%11.59%12.67%+45 bps
Liquidity & Funding
Loans / Deposits69.93%84.41%78.58%86.50%78.68%84.55%78.76%85.88%-62 bps
Liquid Assets / Assets20.56%8.54%14.27%6.92%17.94%11.30%14.70%7.13%+21 bps
CRE / Total Capitaln/an/an/an/a179.75%202%197.69%n/an/a