Dalhart Federal Savings & Loan Association, SSB
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
$126.3MAssets
$78.9MLoans
$95.5MDeposits
$12.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in TX (rank 30 of 211).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets in TX (rank 201 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 5% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |