Dallas, TX · Cert 26626 · Utb Financial Holding Co.
National charter · OCC · 3 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #56 of 166 inst. · $0.8B 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 | 1.12% | 1.17% | 2.22% | 0.84% | 0.18% | 0.50% | 0.24% | 0.07% | -77 bps | |
| Return on Equity | 7.38% | 7.74% | 14.45% | 5.16% | 1.11% | 3.14% | 1.51% | 0.42% | -474 bps | |
| Net Interest Margin | 2.99% | 2.79% | 4.05% | 2.45% | 2.47% | 2.44% | 2.35% | 2.38% | -6 bps | |
| Efficiency Ratio | 68.19% | 60.53% | 48.44% | 71.62% | 78.66% | 82.61% | 90.26% | 103.82% | +3,219 bps | |
| Non-Interest Burden | 1.70% | 1.09% | 1.16% | 1.41% | 1.73% | 1.84% | 2.04% | 2.49% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.35% | -14.25% | -6.09% | -3.36% | -1.29% | -1.59% | -2.58% | 4.41% | +777 bps | |
| Loan Growth (YoY) | -5.80% | -9.85% | -9.37% | 0.74% | 12.96% | 13.92% | 26.67% | 20.03% | +1,929 bps | |
| Deposit Growth (YoY) | -19.52% | -9.49% | 1.80% | -3.44% | 6.73% | 3.76% | 3.25% | 9.61% | +1,305 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.91% | 3.99% | 3.02% | 2.95% | 2.64% | 0.06% | 0.06% | 0.00% | -295 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.83% | -0.57% | -0.03% | -3 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.26% | 1.20% | 1.43% | 1.02% | 1.10% | 1.06% | -15 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.4x | 0.5x | 16.5x | 19.6x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.56% | 14.94% | 15.38% | 16.09% | 15.64% | 15.50% | 15.75% | 16.02% | -8 bps | |
| Total Risk-Based Capital | 15.56% | 14.94% | 15.38% | 16.09% | 15.64% | 15.50% | 15.75% | 16.02% | -8 bps | |
| Equity / Assets | 15.21% | 14.90% | 15.86% | 16.73% | 16.11% | 15.75% | 16.25% | 15.86% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.23% | 66.28% | 69.08% | 74.10% | 77.50% | 72.76% | 84.76% | 81.14% | +704 bps | |
| Liquid Assets / Assets | 36.59% | 36.71% | 35.45% | 29.82% | 29.11% | 31.57% | 22.13% | 25.09% | -473 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 243% | 229% | 240% | n/a | n/a | |