Houston, TX · Cert 26223
National charter · OCC · 11 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
44
Profitability
59
Liquidity
13
Efficiency
94
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.
Houston, TX · Cert 26223
National charter · OCC · 11 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #29 of 107 inst. · $1.0B of $360.4B
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 | 1.55% | 1.62% | 1.45% | 1.52% | 1.61% | 1.58% | 1.49% | 1.59% | +7 bps | |
| Return on Equity | 12.39% | 12.89% | 11.59% | 12.15% | 12.81% | 12.51% | 11.28% | 11.96% | -19 bps | |
| Net Interest Margin | 3.49% | 3.50% | 3.56% | 3.52% | 3.53% | 3.65% | 3.56% | 3.64% | +12 bps | |
| Efficiency Ratio | 44.52% | 41.88% | 44.92% | 43.11% | 41.22% | 40.98% | 42.51% | 41.90% | -121 bps | |
| Non-Interest Burden | 1.47% | 1.38% | 1.54% | 1.46% | 1.39% | 1.43% | 1.44% | 1.45% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.16% | 13.45% | 14.15% | 14.91% | 12.12% | 10.65% | 5.34% | 4.50% | -1,041 bps | |
| Loan Growth (YoY) | 14.19% | 15.90% | 16.09% | 12.16% | 12.79% | 9.49% | 8.45% | 9.04% | -312 bps | |
| Deposit Growth (YoY) | 21.88% | 13.06% | 14.20% | 14.72% | 11.92% | 11.92% | 5.65% | 4.90% | -982 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.42% | 1.31% | 1.56% | 1.78% | 1.62% | 1.90% | 1.91% | 2.16% | +38 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.04% | -0.01% | -0.01% | 0.00% | 0.01% | -0.12% | -0.05% | -5 bps | |
| Allowance / Loans | 1.15% | 1.16% | 1.15% | 1.17% | 1.19% | 1.24% | 1.30% | 1.29% | +12 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 0.7x | 0.7x | 0.7x | 0.7x | 0.7x | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.78% | 12.99% | 12.98% | 12.75% | 12.75% | 13.37% | 13.43% | 13.74% | +99 bps | |
| Total Risk-Based Capital | 16.16% | 15.97% | 16.06% | 16.38% | 16.33% | 16.36% | 16.50% | 16.85% | +47 bps | |
| Equity / Assets | 12.47% | 12.71% | 12.33% | 12.48% | 12.70% | 13.11% | 13.30% | 13.56% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.76% | 102.31% | 98.69% | 97.39% | 97.51% | 100.09% | 101.30% | 101.24% | +385 bps | |
| Liquid Assets / Assets | 13.42% | 9.55% | 12.62% | 13.87% | 13.44% | 11.15% | 10.55% | 10.61% | -325 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 552% | 556% | 558% | n/a | n/a | |
Houston, TX · Cert 26223 · Peer group: banks $1B-$10B in assets operating regionally (n=176)
National charter · OCC · 11 branches
Q2 2026
Return on Assets
1.57%
Rank 41 of 176
Net Interest Margin
3.64%
Rank 81 of 176
Efficiency Ratio
41.94%
Rank 12 of 176
Equity / Assets
13.56%
Rank 18 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.93% | 1.26% | 1.54% | Beats 77% | 41 / 176 | ||
| Return on Equity | 11.61% | 9.26% | 11.89% | 14.46% | Beats 47% | 93 / 176 | ||
| Net Interest Margin | 3.64% | 3.25% | 3.59% | 3.93% | Beats 54% | 81 / 176 | ||
| Efficiency Ratio | 41.94% | 52.79% | 59.55% | 67.66% | Beats 94% | 12 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.16% | 0.30% | 0.64% | 1.32% | Beats 6% | 166 / 176 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 82% | 32 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.60% | 11.15% | 12.72% | 14.15% | Beats 87% | 23 / 176 | ||
| Total Risk-Based Capital Ratio | 16.85% | 11.81% | 13.63% | 15.33% | Beats 88% | 21 / 176 | ||
| Equity / Assets | 13.56% | 9.16% | 10.35% | 11.80% | Beats 90% | 18 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.24% | 80.94% | 89.73% | 97.21% | 88th pctl | 21 / 176 | ||
| Loans / Assets | 84.95% | 69.25% | 75.12% | 80.82% | 92nd pctl | 14 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||