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 | |