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 | |