Paris, TX · Cert 27398 · Texas Peoples Natl Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.98% | 1.03% | 1.19% | 1.28% | 1.31% | 1.37% | 1.41% | 1.44% | +16 bps | |
| Return on Equity | 12.79% | 13.49% | 15.24% | 16.20% | 16.39% | 16.88% | 16.98% | 17.38% | +118 bps | |
| Net Interest Margin | 3.15% | 3.16% | 3.46% | 3.54% | 3.60% | 3.55% | 3.75% | 3.71% | +16 bps | |
| Efficiency Ratio | 72.23% | 70.36% | 65.15% | 63.36% | 62.65% | 61.47% | 58.97% | 58.57% | -479 bps | |
| Non-Interest Burden | 2.03% | 1.96% | 1.98% | 1.95% | 1.95% | 1.88% | 1.90% | 1.87% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.70% | -3.27% | -0.14% | 2.24% | 5.82% | 5.94% | 7.49% | 7.73% | +548 bps | |
| Loan Growth (YoY) | -6.01% | -3.53% | -0.71% | 3.37% | 8.83% | 12.09% | 6.50% | 7.18% | +382 bps | |
| Deposit Growth (YoY) | 3.61% | 3.88% | 5.67% | 4.08% | 5.69% | 5.11% | 7.18% | 13.03% | +895 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.23% | 0.22% | 0.33% | 0.26% | 0.29% | 0.09% | 0.25% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.01% | 0.02% | 0.01% | 0.05% | 0.03% | +2 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.85% | 0.83% | 0.81% | 0.82% | 0.85% | 0.83% | 0 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.8x | 3.8x | 2.5x | 3.1x | 2.8x | 9.2x | 3.4x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.78% | 9.91% | 9.87% | 9.99% | 9.71% | 9.80% | 9.56% | -32 bps | |
| Total Risk-Based Capital | 9.87% | 9.78% | 9.91% | 9.87% | 9.99% | 9.71% | 9.80% | 9.56% | -32 bps | |
| Equity / Assets | 8.31% | 7.74% | 7.85% | 8.13% | 8.33% | 8.46% | 8.10% | 8.26% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.77% | 84.78% | 85.13% | 92.67% | 88.32% | 90.41% | 84.60% | 87.88% | -479 bps | |
| Liquid Assets / Assets | 0.57% | 0.59% | 0.52% | 0.51% | 0.45% | 0.45% | 0.43% | 0.30% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 224% | 217% | 190.37% | n/a | n/a | |