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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.50% | 1.59% | 1.72% | 1.74% | 1.66% | 0.86% | 1.10% | -62 bps | |
| Return on Equity | 9.43% | 9.13% | 8.82% | 9.46% | 9.45% | 9.01% | 4.66% | 6.00% | -346 bps | |
| Net Interest Margin | 6.35% | 6.31% | 6.28% | 6.60% | 6.72% | 6.55% | 6.04% | 6.17% | -43 bps | |
| Efficiency Ratio | 70.61% | 70.86% | 70.02% | 68.01% | 67.83% | 69.06% | 83.27% | 79.08% | +1,107 bps | |
| Non-Interest Burden | 4.25% | 4.23% | 4.15% | 4.23% | 4.30% | 4.28% | 4.85% | 4.68% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.40% | -5.32% | -6.40% | -2.26% | -1.78% | 4.32% | 7.20% | 8.48% | +1,074 bps | |
| Loan Growth (YoY) | -8.29% | -12.85% | -6.42% | 5.13% | 10.84% | 16.67% | 9.65% | 13.27% | +814 bps | |
| Deposit Growth (YoY) | -1.88% | -7.93% | -9.40% | -4.66% | -3.72% | 3.17% | 7.18% | 8.97% | +1,363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 0.30% | 0.28% | 0.27% | 0.50% | 0.38% | 0.18% | 0.23% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.31% | 1.22% | 1.21% | 1.28% | 1.24% | 1.23% | 1.15% | -6 bps | |
| Allowance Coverage of NPLs | 1.2x | 4.4x | 4.4x | 4.6x | 2.5x | 3.3x | 7.0x | 5.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.27% | 15.80% | 16.27% | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Total Risk-Based Capital | 15.27% | 15.80% | 16.27% | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Equity / Assets | 17.14% | 17.66% | 18.35% | 18.64% | 18.84% | 18.43% | 18.29% | 18.18% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.58% | 75.79% | 83.52% | 85.84% | 85.87% | 85.70% | 85.44% | 89.22% | +339 bps | |
| Liquid Assets / Assets | 17.39% | 15.56% | 8.52% | 7.00% | 7.04% | 8.85% | 10.75% | 8.44% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 289% | 290% | n/a | n/a | |