Desoto, TX · Cert 26542 · D Bcorp Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #100 of 166 inst. · $0.2B of $732.8B
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 | 1.66% | 1.50% | 1.62% | 1.22% | 1.36% | 1.16% | 1.18% | 1.37% | +16 bps | |
| Return on Equity | 15.65% | 14.93% | 16.31% | 12.40% | 13.73% | 11.45% | 11.66% | 13.55% | +114 bps | |
| Net Interest Margin | 5.37% | 4.67% | 4.76% | 4.73% | 4.83% | 4.64% | 4.68% | 4.73% | +1 bps | |
| Efficiency Ratio | 60.76% | 61.94% | 56.39% | 62.66% | 57.50% | 69.53% | 65.00% | 64.80% | +214 bps | |
| Non-Interest Burden | 3.18% | 2.82% | 2.56% | 2.88% | 2.67% | 3.16% | 2.97% | 3.00% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.55% | 14.63% | 17.28% | 18.91% | 4.04% | 0.85% | -2.00% | -2.72% | -2,163 bps | |
| Loan Growth (YoY) | -2.76% | 2.02% | 0.86% | -1.63% | -1.87% | -6.93% | -7.38% | -4.31% | -268 bps | |
| Deposit Growth (YoY) | 8.79% | 15.69% | 18.74% | 20.74% | 3.98% | 0.78% | -2.27% | -3.12% | -2,386 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.44% | 1.07% | 0.68% | 0.64% | 0.74% | 0.89% | 0.98% | +30 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.26% | 0.56% | 0.39% | 0.04% | 0.41% | 0.46% | 0.24% | -15 bps | |
| Allowance / Loans | 1.06% | 0.96% | 0.90% | 0.96% | 1.14% | 1.06% | 1.05% | 0.98% | +3 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.2x | 0.8x | 1.4x | 1.8x | 1.4x | 1.2x | 1.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.65% | 9.93% | 9.94% | 9.81% | 9.88% | 10.20% | 10.24% | 10.06% | +25 bps | |
| Total Risk-Based Capital | 10.65% | 9.93% | 9.94% | 9.81% | 9.88% | 10.20% | 10.24% | 10.06% | +25 bps | |
| Equity / Assets | 10.14% | 9.93% | 9.90% | 9.70% | 10.18% | 10.04% | 10.17% | 10.10% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.43% | 70.42% | 68.46% | 65.01% | 67.41% | 65.03% | 64.88% | 64.22% | -80 bps | |
| Liquid Assets / Assets | 32.59% | 33.68% | 35.28% | 38.19% | 30.41% | 38.46% | 38.60% | 39.51% | +133 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 154.33% | 149.66% | 146.38% | n/a | n/a | |