Longview, TX · Cert 25752 · East Texas Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 2.7% share · #11 of 25 inst. · $0.2B of $8.0B
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 | 2.16% | 2.17% | 2.23% | 2.14% | 2.29% | +13 bps | |
| Return on Equity | 19.20% | 18.95% | 19.62% | 18.54% | 19.68% | +48 bps | |
| Net Interest Margin | 4.18% | 4.27% | 4.24% | 4.35% | 4.31% | +13 bps | |
| Efficiency Ratio | 39.68% | 39.91% | 39.54% | 40.70% | 39.38% | -30 bps | |
| Non-Interest Burden | 1.40% | 1.47% | 1.39% | 1.58% | 1.42% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | -2.26% | 3.50% | 2.01% | 6.09% | +390 bps | |
| Loan Growth (YoY) | 2.67% | 0.79% | -0.34% | 0.71% | 2.61% | -6 bps | |
| Deposit Growth (YoY) | 3.74% | 2.19% | 4.78% | 1.29% | 5.85% | +211 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | -0.03% | -0.01% | -1 bps | |
| Allowance / Loans | 1.08% | 1.10% | 1.06% | 1.09% | 1.06% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 48.6x | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.74% | 12.00% | 11.53% | 12.10% | 11.95% | +21 bps | |
| Total Risk-Based Capital | 11.74% | 12.00% | 11.53% | 12.10% | 11.95% | +21 bps | |
| Equity / Assets | 11.64% | 12.14% | 11.07% | 12.06% | 11.83% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.46% | 93.75% | 90.24% | 91.83% | 89.63% | -283 bps | |
| Liquid Assets / Assets | 16.50% | 15.72% | 17.95% | 17.20% | 18.74% | +224 bps | |
| CRE / Total Capital | n/a | 224% | 227% | 222% | n/a | n/a | |