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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.80% | 1.45% | 1.58% | 1.77% | 1.50% | 1.49% | 1.70% | +12 bps | |
| Return on Equity | 13.31% | 14.28% | 11.59% | 12.70% | 14.08% | 11.65% | 11.28% | 12.63% | -6 bps | |
| Net Interest Margin | 3.62% | 3.73% | 3.56% | 3.65% | 3.79% | 3.81% | 3.56% | 3.75% | +9 bps | |
| Efficiency Ratio | 44.34% | 34.65% | 44.92% | 41.44% | 37.83% | 40.31% | 42.51% | 41.32% | -12 bps | |
| Non-Interest Burden | 1.51% | 1.17% | 1.54% | 1.44% | 1.36% | 1.47% | 1.44% | 1.48% | +4 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 | 0.00% | -0.03% | -0.01% | 0.00% | 0.02% | 0.03% | -0.12% | 0.02% | +1 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 | |