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 | |