Dalhart, TX · Cert 29208 · Dalhart Fed Mutual Holding Co.
SI · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
58
Profitability
7
Liquidity
31
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Dalhart, TX · Cert 29208 · Dalhart Fed Mutual Holding Co.
SI · 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 | -0.57% | -0.44% | -0.21% | -0.25% | -0.28% | -0.23% | -0.30% | 0.04% | +28 bps | |
| Return on Equity | -6.06% | -4.68% | -2.22% | -2.63% | -2.95% | -2.40% | -3.03% | 0.37% | +300 bps | |
| Net Interest Margin | 2.21% | 2.24% | 2.28% | 2.37% | 2.46% | 2.58% | 2.77% | 2.83% | +46 bps | |
| Efficiency Ratio | 111.82% | 109.37% | 109.42% | 105.13% | 104.82% | 104.14% | 104.80% | 97.09% | -804 bps | |
| Non-Interest Burden | 2.49% | 2.47% | 2.52% | 2.50% | 2.59% | 2.69% | 2.92% | 2.73% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.23% | -3.53% | -7.37% | -3.90% | -9.21% | -5.03% | -5.88% | -6.40% | -249 bps | |
| Loan Growth (YoY) | -12.48% | -13.28% | -7.48% | -1.63% | -2.35% | -0.15% | -1.90% | -6.39% | -475 bps | |
| Deposit Growth (YoY) | -0.96% | 1.89% | -0.03% | 4.34% | -0.45% | 3.01% | 2.18% | 0.75% | -358 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.51% | 0.55% | 0.42% | 0.49% | 0.58% | 0.65% | 0.16% | -26 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.07% | 0.00% | 0.00% | 0.01% | 0.32% | 0.04% | -0.01% | -1 bps | |
| Allowance / Loans | 0.46% | 0.44% | 0.45% | 0.49% | 0.59% | 0.27% | 0.32% | 0.33% | -16 bps | |
| Allowance Coverage of NPLs | 9.3x | 0.9x | 0.8x | 1.2x | 1.2x | 0.5x | 0.5x | 2.0x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.36% | 10.47% | 10.99% | 10.84% | 10.95% | 11.17% | 11.39% | 11.42% | +58 bps | |
| Total Risk-Based Capital | 24.73% | 25.56% | 25.55% | 25.09% | 25.76% | 25.36% | 25.78% | 26.60% | +151 bps | |
| Equity / Assets | 9.12% | 9.32% | 9.46% | 9.15% | 9.65% | 9.72% | 9.83% | 9.97% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.67% | 87.25% | 88.54% | 88.92% | 85.99% | 84.58% | 85.01% | 82.62% | -630 bps | |
| Liquid Assets / Assets | 30.37% | 29.62% | 27.41% | 27.01% | 26.07% | 25.82% | 25.12% | 26.34% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 61.29% | 62.22% | 60.96% | n/a | n/a | |
Dalhart, TX · Cert 29208 · Peer group: banks under $1B in assets in TX (n=208-211) · Dalhart Fed Mutual Holding Co.
SI · FDIC · 2 branches
Q2 2026
Return on Assets
0.04%
Rank 200 of 211
Net Interest Margin
2.83%
Rank 185 of 211
Efficiency Ratio
97.09%
Rank 201 of 211
Equity / Assets
9.97%
Rank 137 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.04% | 0.87% | 1.20% | 1.65% | Beats 5% | 200 / 211 | ||
| Return on Equity | 0.37% | 7.52% | 11.67% | 14.58% | Beats 5% | 200 / 211 | ||
| Net Interest Margin | 2.83% | 3.28% | 3.82% | 4.31% | Beats 12% | 185 / 211 | ||
| Efficiency Ratio | 97.09% | 53.01% | 64.18% | 73.65% | Beats 5% | 201 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.01% | 0.30% | 1.10% | Beats 59% | 86 / 208 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 56% | 92 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.12% | 11.72% | 14.45% | 19.57% | Beats 86% | 30 / 211 | ||
| Total Risk-Based Capital Ratio | 26.60% | 11.94% | 14.78% | 20.30% | Beats 85% | 32 / 211 | ||
| Equity / Assets | 9.97% | 9.41% | 11.06% | 12.94% | Beats 35% | 137 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.62% | 45.39% | 66.56% | 82.03% | 76th pctl | 49 / 208 | ||
| Loans / Assets | 62.47% | 39.13% | 56.90% | 70.46% | 60th pctl | 85 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||