McAllen, TX · Cert 26727
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 0.5% share · #15 of 20 inst. · $0.1B of $16.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 1.76% | 1.44% | 0.86% | 1.34% | -53 bps | |
| Return on Equity | 10.08% | 9.40% | 7.75% | 4.66% | 7.34% | -275 bps | |
| Net Interest Margin | 6.87% | 7.01% | 6.53% | 6.04% | 6.39% | -48 bps | |
| Efficiency Ratio | 66.15% | 67.49% | 72.76% | 83.27% | 75.20% | +905 bps | |
| Non-Interest Burden | 4.28% | 4.47% | 4.53% | 4.85% | 4.59% | +31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.26% | -1.78% | 4.32% | 7.20% | 8.48% | +1,074 bps | |
| Loan Growth (YoY) | 5.13% | 10.84% | 16.67% | 9.65% | 13.27% | +814 bps | |
| Deposit Growth (YoY) | -4.66% | -3.72% | 3.17% | 7.18% | 8.97% | +1,363 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.50% | 0.38% | 0.18% | 0.23% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.28% | 1.24% | 1.23% | 1.15% | -6 bps | |
| Allowance Coverage of NPLs | 4.6x | 2.5x | 3.3x | 7.0x | 5.1x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Total Risk-Based Capital | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Equity / Assets | 18.64% | 18.84% | 18.43% | 18.29% | 18.18% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.84% | 85.87% | 85.70% | 85.44% | 89.22% | +339 bps | |
| Liquid Assets / Assets | 7.00% | 7.04% | 8.85% | 10.75% | 8.44% | +143 bps | |
| CRE / Total Capital | n/a | 288% | 289% | 290% | n/a | n/a | |