Jacksonville, TX · Cert 26181 · East Texas Financial Corp.
National charter · OCC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
17
Profitability
21
Liquidity
19
Efficiency
8
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Jacksonville, TX · Cert 26181 · East Texas Financial Corp.
National charter · OCC · 1 affiliate bank · 9 branches (20 in holding)
Q2 2026
Market Position · Tyler, TX · 2026 SOD (annual) · 3.8% share · #8 of 28 inst. · $0.3B of $9.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.85% | 0.96% | 1.09% | 1.10% | 1.11% | -2.21% | -0.34% | -143 bps | |
| Return on Equity | 8.45% | 8.62% | 9.45% | 10.53% | 10.62% | 10.53% | -21.41% | -3.32% | -1,385 bps | |
| Net Interest Margin | 3.04% | 3.12% | 3.56% | 3.72% | 3.75% | 3.83% | 4.11% | 3.97% | +25 bps | |
| Efficiency Ratio | 66.36% | 65.19% | 58.96% | 57.71% | 56.25% | 55.77% | 128.08% | 90.24% | +3,253 bps | |
| Non-Interest Burden | 1.93% | 1.94% | 2.01% | 2.05% | 2.00% | 2.03% | 5.34% | 3.56% | +151 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.07% | 5.46% | 1.32% | 0.84% | 2.21% | -1.95% | 2.12% | 0.52% | -32 bps | |
| Loan Growth (YoY) | 7.11% | 6.76% | 1.57% | -2.46% | -0.84% | -4.59% | -3.21% | -4.81% | -235 bps | |
| Deposit Growth (YoY) | 3.80% | 5.62% | 0.86% | 0.22% | 1.50% | -3.30% | 3.78% | 1.81% | +159 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.65% | 0.39% | 0.20% | 1.82% | 1.69% | 0.67% | 1.03% | +82 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.35% | 0.34% | 0.23% | 0.26% | 0.69% | 0.46% | +12 bps | |
| Allowance / Loans | 1.21% | 1.18% | 1.20% | 1.22% | 1.35% | 1.50% | 1.81% | 1.85% | +63 bps | |
| Allowance Coverage of NPLs | 5.1x | 1.8x | 3.1x | 6.0x | 0.7x | 0.9x | 2.7x | 1.8x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 10.31% | 10.69% | 10.97% | 10.96% | 11.10% | 9.90% | 10.08% | -89 bps | |
| Total Risk-Based Capital | 16.57% | 16.35% | 16.84% | 17.43% | 17.61% | 18.04% | 15.96% | 16.57% | -87 bps | |
| Equity / Assets | 9.95% | 9.97% | 10.44% | 10.63% | 10.54% | 11.16% | 9.46% | 9.86% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.24% | 92.21% | 93.68% | 91.35% | 89.14% | 90.98% | 87.37% | 85.41% | -594 bps | |
| Liquid Assets / Assets | 12.96% | 12.17% | 11.27% | 13.86% | 16.00% | 14.84% | 15.68% | 18.21% | +434 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 302% | 355% | n/a | n/a | |
Jacksonville, TX · Cert 26181 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Financial Corp.
National charter · OCC · 1 affiliate bank · 9 branches (20 in holding)
Q2 2026
Return on Assets
-0.34%
Rank 202 of 211
Net Interest Margin
3.97%
Rank 94 of 211
Efficiency Ratio
90.24%
Rank 196 of 211
Equity / Assets
9.86%
Rank 144 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.34% | 0.87% | 1.20% | 1.65% | Beats 4% | 202 / 211 | ||
| Return on Equity | -3.40% | 7.52% | 11.67% | 14.58% | Beats 3% | 204 / 211 | ||
| Net Interest Margin | 3.97% | 3.28% | 3.82% | 4.31% | Beats 55% | 94 / 211 | ||
| Efficiency Ratio | 90.24% | 53.01% | 64.18% | 73.65% | Beats 8% | 196 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.01% | 0.30% | 1.10% | Beats 27% | 153 / 208 | ||
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.06% | Beats 7% | 195 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.31% | 11.72% | 14.45% | 19.57% | Beats 57% | 91 / 211 | ||
| Total Risk-Based Capital Ratio | 16.57% | 11.94% | 14.78% | 20.30% | Beats 61% | 83 / 211 | ||
| Equity / Assets | 9.86% | 9.41% | 11.06% | 12.94% | Beats 32% | 144 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.41% | 45.39% | 66.56% | 82.03% | 81st pctl | 39 / 208 | ||
| Loans / Assets | 76.72% | 39.13% | 56.90% | 70.46% | 88th pctl | 26 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||