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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.71% | 0.53% | 0.85% | 0.85% | +25 bps | |
| Return on Equity | 6.35% | 7.45% | 5.17% | 7.73% | 8.44% | +209 bps | |
| Net Interest Margin | 2.69% | 2.72% | 2.74% | 2.88% | 3.06% | +37 bps | |
| Efficiency Ratio | 71.41% | 66.89% | 74.33% | 64.80% | 77.20% | +578 bps | |
| Non-Interest Burden | 1.86% | 1.74% | 2.12% | 1.82% | 2.32% | +47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.55% | 5.27% | -11.45% | -16.74% | -25.19% | -2,973 bps | |
| Loan Growth (YoY) | 4.70% | 4.66% | -10.51% | -16.25% | -22.72% | -2,742 bps | |
| Deposit Growth (YoY) | 0.52% | 5.52% | 4.59% | -6.38% | -11.27% | -1,178 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.63% | 0.50% | 0.56% | 0.58% | 0.28% | -35 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.02% | 0.09% | 0.01% | 0.02% | -25 bps | |
| Allowance / Loans | 0.85% | 0.84% | 0.94% | 0.97% | 1.08% | +23 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.7x | 1.7x | 1.7x | 3.8x | +2.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.32% | 10.39% | 10.55% | 10.96% | 8.34% | -198 bps | |
| Total Risk-Based Capital | 15.55% | 15.97% | 17.74% | 18.41% | 14.89% | -66 bps | |
| Equity / Assets | 9.57% | 9.48% | 11.06% | 10.97% | 9.15% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.21% | 106.97% | 99.59% | 97.77% | 95.12% | -1,410 bps | |
| Liquid Assets / Assets | 10.11% | 11.27% | 9.19% | 9.14% | 6.55% | -356 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 261% | 304% | n/a | |