Irving, TX · Cert 27074 · SBT Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #31 of 166 inst. · $1.6B of $732.8B
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 | 3.64% | 3.18% | 3.22% | 3.19% | 3.26% | 3.14% | 3.10% | 3.33% | +14 bps | |
| Return on Equity | 26.45% | 23.00% | 23.36% | 22.82% | 22.74% | 21.81% | 21.21% | 21.96% | -86 bps | |
| Net Interest Margin | 5.17% | 5.11% | 4.85% | 4.88% | 4.91% | 5.00% | 4.79% | 5.02% | +14 bps | |
| Efficiency Ratio | 17.48% | 17.64% | 19.37% | 20.00% | 19.52% | 20.09% | 20.65% | 21.41% | +141 bps | |
| Non-Interest Burden | 0.58% | 0.70% | 0.75% | 0.78% | 0.76% | 0.89% | 0.84% | 0.95% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.99% | 8.26% | 5.14% | 1.33% | 0.04% | -0.32% | -0.92% | -6.61% | -794 bps | |
| Loan Growth (YoY) | 19.29% | 9.28% | 5.98% | 1.27% | -1.46% | -1.26% | -2.24% | -6.99% | -826 bps | |
| Deposit Growth (YoY) | 20.53% | 5.87% | 2.87% | -1.10% | -0.41% | -1.81% | -4.75% | -6.78% | -568 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.55% | 2.57% | 2.48% | 2.44% | 2.39% | 2.20% | 1.24% | 2.16% | -28 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.48% | 0.01% | 0.21% | 0.25% | 0.29% | 0.01% | 0.00% | -21 bps | |
| Allowance / Loans | 1.00% | 1.10% | 1.11% | 1.07% | 1.03% | 1.06% | 1.07% | 1.02% | -5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.9x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.78% | 14.17% | 13.82% | 14.59% | 15.40% | 14.69% | 14.73% | 15.71% | +112 bps | |
| Total Risk-Based Capital | 13.78% | 14.17% | 13.82% | 14.59% | 15.40% | 14.69% | 14.73% | 15.71% | +112 bps | |
| Equity / Assets | 13.50% | 14.01% | 13.57% | 14.39% | 15.33% | 14.69% | 14.52% | 16.43% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.69% | 100.44% | 97.76% | 98.02% | 98.64% | 101.00% | 100.35% | 97.80% | -22 bps | |
| Liquid Assets / Assets | 7.87% | 7.84% | 9.00% | 8.56% | 9.25% | 8.09% | 7.78% | 7.58% | -98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 518% | 548% | 545% | n/a | n/a | |