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 (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 | 1.17% | 3.46% | 0.76% | 1.02% | 0.40% | 1.45% | 0.73% | 0.06% | -97 bps | |
| Return on Equity | 9.71% | 25.75% | 5.74% | 8.22% | 3.37% | 11.85% | 6.17% | 0.47% | -775 bps | |
| Net Interest Margin | 3.05% | 2.61% | 2.56% | 2.83% | 2.38% | 2.89% | 2.25% | 1.88% | -95 bps | |
| Efficiency Ratio | 93.19% | 94.31% | 93.86% | 94.49% | 95.73% | 90.89% | 96.06% | 99.41% | +492 bps | |
| Non-Interest Burden | 1.56% | 1.46% | 1.01% | 1.49% | 1.54% | 1.21% | 1.36% | 1.75% | +26 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 | 0.64% | 0.03% | 1.56% | -0.05% | 0.66% | -0.35% | -0.13% | -0.16% | -11 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 | |