Wichita Falls, TX · Cert 26543
FDIC · 7 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=293). 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
67
Profitability
38
Liquidity
54
Efficiency
25
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.
Wichita Falls, TX · Cert 26543
FDIC · 7 branches
Q4 2025
Market Position · Wichita Falls, TX · 2025 SOD (annual) · 17.3% share · #2 of 14 inst. · $0.8B of $4.3B
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.69% | 0.60% | 0.60% | 0.71% | 0.63% | 0.70% | 0.73% | +13 bps | |
| Return on Equity | 9.22% | 7.54% | 6.55% | 6.51% | 7.45% | 6.31% | 6.82% | 7.31% | +80 bps | |
| Net Interest Margin | 2.56% | 2.59% | 2.50% | 2.57% | 2.72% | 2.73% | 2.98% | 3.11% | +54 bps | |
| Efficiency Ratio | 86.07% | 77.78% | 76.23% | 74.97% | 66.89% | 70.20% | 68.39% | 70.64% | -433 bps | |
| Non-Interest Burden | 2.18% | 1.97% | 1.86% | 1.87% | 1.74% | 1.93% | 2.03% | 2.18% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.89% | 14.26% | 10.39% | 4.55% | 5.27% | -11.45% | -16.74% | -25.19% | -2,973 bps | |
| Loan Growth (YoY) | 22.43% | 14.17% | 10.63% | 4.70% | 4.66% | -10.51% | -16.25% | -22.72% | -2,742 bps | |
| Deposit Growth (YoY) | 17.01% | 0.68% | 5.88% | 0.52% | 5.52% | 4.59% | -6.38% | -11.27% | -1,178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.43% | 0.40% | 0.63% | 0.50% | 0.56% | 0.58% | 0.28% | -35 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.03% | 0.04% | 0.10% | 0.02% | 0.06% | 0.04% | 0.04% | -6 bps | |
| Allowance / Loans | 0.85% | 0.87% | 0.88% | 0.85% | 0.84% | 0.94% | 0.97% | 1.08% | +23 bps | |
| Allowance Coverage of NPLs | 2.6x | 2.0x | 2.2x | 1.3x | 1.7x | 1.7x | 1.7x | 3.8x | +2.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.08% | 10.09% | 10.02% | 10.32% | 10.39% | 10.55% | 10.96% | 8.34% | -198 bps | |
| Total Risk-Based Capital | 14.30% | 14.41% | 14.91% | 15.55% | 15.97% | 17.74% | 18.41% | 14.89% | -66 bps | |
| Equity / Assets | 9.29% | 9.24% | 9.31% | 9.57% | 9.48% | 11.06% | 10.97% | 9.15% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.85% | 116.39% | 109.29% | 109.21% | 106.97% | 99.59% | 97.77% | 95.12% | -1,410 bps | |
| Liquid Assets / Assets | 10.54% | 10.29% | 9.84% | 10.11% | 11.27% | 9.19% | 9.14% | 6.55% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 261% | 304% | n/a | |
Wichita Falls, TX · Cert 26543 · Peer group: banks $1B-$10B in assets operating in a single state (n=293)
FDIC · 7 branches
Q4 2025
Return on Assets
0.89%
Rank 197 of 293
Net Interest Margin
3.11%
Rank 179 of 293
Efficiency Ratio
71.10%
Rank 221 of 293
Equity / Assets
9.15%
Rank 215 of 293
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.89% | 0.78% | 1.08% | 1.37% | Beats 33% | 197 / 293 | ||
| Return on Equity | 9.70% | 7.54% | 10.71% | 13.42% | Beats 42% | 169 / 293 | ||
| Net Interest Margin | 3.11% | 2.90% | 3.26% | 3.64% | Beats 39% | 179 / 293 | ||
| Efficiency Ratio | 71.10% | 53.70% | 62.37% | 70.86% | Beats 25% | 221 / 293 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.20% | 0.45% | 0.94% | Beats 67% | 99 / 293 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.64% | 11.58% | 13.17% | 15.13% | Beats 58% | 124 / 293 | ||
| Total Risk-Based Capital Ratio | 14.89% | 12.40% | 14.02% | 16.17% | Beats 63% | 109 / 293 | ||
| Equity / Assets | 9.15% | 9.03% | 10.09% | 11.77% | Beats 27% | 215 / 293 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.12% | 73.95% | 86.02% | 95.31% | 74th pctl | 77 / 293 | ||
| Loans / Assets | 85.24% | 63.41% | 72.88% | 78.58% | 93rd pctl | 21 / 293 | ||
| Brokered Deposits / Deposits | 26.65% | n/a | 1.43% | 7.87% | Beats 4% | 281 / 293 | ||