Houston, TX · Cert 26351
National charter · OCC · 2 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 the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
36
Profitability
11
Liquidity
96
Efficiency
10
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 26351
National charter · OCC · 2 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #67 of 107 inst. · $0.2B 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 | 1.69% | 2.11% | 0.76% | 0.89% | 0.72% | 0.92% | 0.73% | 0.40% | -49 bps | |
| Return on Equity | 13.68% | 16.74% | 5.74% | 6.94% | 5.72% | 7.30% | 6.17% | 3.31% | -363 bps | |
| Net Interest Margin | 3.06% | 3.01% | 2.56% | 2.63% | 2.42% | 2.53% | 2.25% | 2.08% | -55 bps | |
| Efficiency Ratio | 91.76% | 92.31% | 93.86% | 94.17% | 94.65% | 93.81% | 96.06% | 97.67% | +349 bps | |
| Non-Interest Burden | 1.08% | 1.19% | 1.01% | 1.22% | 1.27% | 1.25% | 1.36% | 1.56% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.44% | -3.62% | -5.69% | 1.29% | 16.10% | 13.07% | 16.56% | -2.22% | -351 bps | |
| Loan Growth (YoY) | 12.60% | 11.54% | 9.56% | 19.10% | 26.79% | 16.19% | 21.07% | 4.81% | -1,430 bps | |
| Deposit Growth (YoY) | 9.86% | -4.26% | -6.57% | 12.50% | 18.63% | 15.08% | 20.00% | -2.79% | -1,529 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.45% | 3.83% | 2.32% | 1.49% | 1.32% | 1.53% | 1.18% | 0.77% | -72 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.19% | 1.56% | 0.63% | 0.63% | 0.41% | -0.13% | -0.14% | -77 bps | |
| Allowance / Loans | 1.55% | 1.75% | 1.58% | 1.40% | 1.36% | 1.46% | 1.43% | 1.41% | +1 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.7x | 0.9x | 1.0x | 1.0x | 1.2x | 1.8x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.36% | 16.61% | 15.27% | 14.68% | 13.71% | 14.00% | 13.66% | 12.02% | -266 bps | |
| Total Risk-Based Capital | 28.88% | 28.68% | 29.66% | 30.20% | 31.99% | 34.90% | 32.29% | 16.68% | -1,352 bps | |
| Equity / Assets | 13.33% | 13.56% | 13.01% | 11.90% | 12.09% | 12.33% | 11.28% | 12.28% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.35% | 69.12% | 69.16% | 71.12% | 70.91% | 69.78% | 69.78% | 76.67% | +556 bps | |
| Liquid Assets / Assets | 5.57% | 6.06% | 4.53% | 3.68% | 4.20% | 4.80% | 4.40% | 4.89% | +120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 183.10% | 170.66% | 187.31% | n/a | n/a | |
Houston, TX · Cert 26351 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
National charter · OCC · 2 branches
Q2 2026
Return on Assets
0.40%
Rank 18 of 21
Net Interest Margin
2.08%
Rank 20 of 21
Efficiency Ratio
97.67%
Rank 20 of 21
Equity / Assets
12.28%
Rank 9 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.77% | 1.16% | 1.46% | Beats 14% | 18 / 21 | ||
| Return on Equity | 3.29% | 6.66% | 8.42% | 15.66% | Beats 14% | 18 / 21 | ||
| Net Interest Margin | 2.08% | 3.50% | 3.97% | 4.41% | Beats 5% | 20 / 21 | ||
| Efficiency Ratio | 97.67% | 59.33% | 68.18% | 79.00% | Beats 10% | 20 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.77% | 0.01% | 0.37% | 1.25% | Beats 38% | 14 / 21 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.05% | Beats 33% | 15 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.45% | 12.65% | 15.76% | 18.38% | Beats 43% | 12 / 21 | ||
| Total Risk-Based Capital Ratio | 16.68% | 12.65% | 16.68% | 19.63% | Beats 48% | 11 / 21 | ||
| Equity / Assets | 12.28% | 9.08% | 11.30% | 15.80% | Beats 57% | 9 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.67% | 64.96% | 78.30% | 90.30% | 43rd pctl | 12 / 21 | ||
| Loans / Assets | 65.97% | 55.83% | 65.86% | 74.20% | 52nd pctl | 10 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||