PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of the West

Grapevine, TX · Cert 26627 · Greater SW Bancshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$829.8MAssets
$503.4MLoans
$747.1MDeposits
$77.1MEquity
Loan mix
91%RE $435.1M8%C&I $40.6M1%Consumer $3.1MQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $462.7M38%Noninterest $284.4MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #62 of 166 inst. · $0.7B of $732.8B

0.1% Dallas
0.3% Tarrant
0.1% Denton
1.7% Llano

Executive Summary

  • Earnings: ROA of 1.26%, down 9 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.66%, up 28 bps from a year ago.
  • Funding: loans stand at 67.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.26%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-10 bps YoY

Efficiency Ratio (YTD, annualized)

61.94%+198 bps YoY

Tier 1 Leverage Ratio

9.66%+28 bps YoY

NIM

5.52%Q2 ’245.70%Q2 ’255.61%Q2 ’26+9%-2%

Non-interest income vs. expense

2.73%Q2 ’242.71%Q2 ’252.75%Q2 ’26+1%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.25%1.22%1.35%1.40%1.34%1.24%1.26%-9 bps
Return on Equity15.64%15.44%14.25%15.46%15.81%15.11%13.41%13.59%-187 bps
Net Interest Margin3.92%3.93%4.12%4.20%4.33%4.18%4.05%4.10%-10 bps
Efficiency Ratio62.39%63.31%62.69%59.96%59.28%61.15%61.92%61.94%+198 bps
Non-Interest Burden2.31%2.35%2.45%2.39%2.41%2.42%2.38%2.41%+2 bps
Growth
Asset Growth (YoY)4.54%2.03%-4.02%-2.11%1.35%3.36%1.23%8.91%+1,103 bps
Loan Growth (YoY)4.09%8.49%11.44%10.62%10.25%5.04%0.27%-2.04%-1,265 bps
Deposit Growth (YoY)3.64%1.30%-5.30%-3.25%0.62%2.56%0.22%8.76%+1,201 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.56%0.76%0.00%0.00%0.00%0.14%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.12%1.05%1.03%1.02%1.05%1.11%1.11%1.09%+7 bps
Allowance Coverage of NPLs1.8x1.9x1.4xn/an/an/a8.2xn/an/a
Capital
Tier 1 Leverage Ratio8.64%8.66%9.10%9.37%9.72%9.42%9.47%9.66%+28 bps
Total Risk-Based Capital16.06%15.75%15.49%15.45%15.70%16.32%16.58%16.53%+108 bps
Equity / Assets8.48%8.39%8.68%9.20%9.07%9.03%9.48%9.29%+9 bps
Liquidity & Funding
Loans / Deposits64.60%66.44%69.06%74.81%70.79%68.05%69.09%67.39%-743 bps
Liquid Assets / Assets27.21%24.63%22.58%17.23%21.53%24.46%22.92%24.63%+741 bps
CRE / Total Capitaln/an/an/an/a442%420%407%n/an/a