Dallas, TX · Cert 29209 · SLHC Trust the
State charter, non-member · 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 over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
49
Profitability
32
Liquidity
98
Efficiency
72
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.
Dallas, TX · Cert 29209 · SLHC Trust the
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 1.5% share · #8 of 166 inst. · $11.0B 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 | 0.95% | 0.85% | 1.30% | 1.31% | 1.33% | 1.17% | 1.27% | 1.05% | -26 bps | |
| Return on Equity | 11.13% | 9.72% | 13.75% | 13.95% | 14.54% | 12.89% | 14.63% | 12.13% | -183 bps | |
| Net Interest Margin | 1.72% | 1.90% | 2.01% | 2.11% | 2.17% | 2.16% | 2.13% | 2.13% | +3 bps | |
| Efficiency Ratio | 45.28% | 48.20% | 41.80% | 39.96% | 39.11% | 41.69% | 48.78% | 50.84% | +1,088 bps | |
| Non-Interest Burden | 0.59% | 0.79% | 0.49% | 0.44% | 0.38% | 0.51% | 0.67% | 0.83% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.64% | -12.83% | -11.97% | -7.04% | 4.59% | -0.04% | -3.35% | -0.16% | +688 bps | |
| Loan Growth (YoY) | -8.16% | -9.22% | -8.97% | -0.70% | 2.71% | 4.83% | 3.71% | -2.17% | -146 bps | |
| Deposit Growth (YoY) | -9.99% | -14.38% | -9.50% | -8.66% | 8.31% | 5.27% | -2.67% | 3.31% | +1,197 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.32% | 1.54% | 1.09% | 1.53% | 1.30% | 1.22% | 1.23% | 1.47% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.03% | 0.00% | 0.06% | +5 bps | |
| Allowance / Loans | 0.42% | 0.40% | 0.40% | 0.38% | 0.42% | 0.43% | 0.43% | 0.41% | +3 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.3x | 0.3x | 0.4x | 0.4x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 9.80% | 9.80% | 9.83% | 9.56% | 9.27% | 9.29% | 9.07% | -75 bps | |
| Total Risk-Based Capital | 15.09% | 15.33% | 15.81% | 15.70% | 15.88% | 15.10% | 15.67% | 15.39% | -30 bps | |
| Equity / Assets | 9.55% | 9.53% | 9.43% | 9.12% | 8.65% | 8.67% | 8.76% | 8.43% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.13% | 88.24% | 84.21% | 89.25% | 82.62% | 87.87% | 89.73% | 84.52% | -473 bps | |
| Liquid Assets / Assets | 2.63% | 2.36% | 5.88% | 5.04% | 10.04% | 6.74% | 3.18% | 8.63% | +360 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 119.93% | 124.63% | 124.94% | n/a | n/a | |
Dallas, TX · Cert 29209 · Peer group: banks over $10B in assets (n=142-144) · SLHC Trust the
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.02%
Rank 101 of 144
Net Interest Margin
2.13%
Rank 132 of 144
Efficiency Ratio
50.84%
Rank 42 of 144
Equity / Assets
8.43%
Rank 124 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 1.00% | 1.26% | 1.54% | Beats 30% | 101 / 144 | ||
| Return on Equity | 12.12% | 8.98% | 11.34% | 14.40% | Beats 57% | 62 / 144 | ||
| Net Interest Margin | 2.13% | 2.82% | 3.31% | 3.68% | Beats 8% | 132 / 144 | ||
| Efficiency Ratio | 50.84% | 49.42% | 56.02% | 62.41% | Beats 72% | 42 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.48% | 0.73% | 1.07% | Beats 14% | 123 / 142 | ||
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.11% | 0.22% | Beats 84% | 24 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.92% | 12.07% | 12.98% | 14.92% | Beats 75% | 36 / 144 | ||
| Total Risk-Based Capital Ratio | 15.39% | 13.39% | 14.14% | 16.25% | Beats 67% | 47 / 144 | ||
| Equity / Assets | 8.43% | 9.69% | 11.39% | 12.96% | Beats 14% | 124 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.52% | 75.72% | 84.92% | 91.56% | 48th pctl | 75 / 143 | ||
| Loans / Assets | 65.96% | 59.83% | 69.07% | 74.80% | 37th pctl | 91 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||