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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 1.39% | 0.66% | 1.27% | 0.83% | -48 bps | |
| Return on Equity | 14.16% | 15.68% | 7.64% | 14.63% | 9.69% | -447 bps | |
| Net Interest Margin | 2.20% | 2.24% | 2.11% | 2.13% | 2.21% | +1 bps | |
| Efficiency Ratio | 38.32% | 37.63% | 50.99% | 48.78% | 53.07% | +1,475 bps | |
| Non-Interest Burden | 0.39% | 0.25% | 0.91% | 0.67% | 1.01% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.04% | 4.59% | -0.04% | -3.35% | -0.16% | +688 bps | |
| Loan Growth (YoY) | -0.70% | 2.71% | 4.83% | 3.71% | -2.17% | -146 bps | |
| Deposit Growth (YoY) | -8.66% | 8.31% | 5.27% | -2.67% | 3.31% | +1,197 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.53% | 1.30% | 1.22% | 1.23% | 1.47% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.05% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 0.38% | 0.42% | 0.43% | 0.43% | 0.41% | +3 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.4x | 0.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.83% | 9.56% | 9.27% | 9.29% | 9.07% | -75 bps | |
| Total Risk-Based Capital | 15.70% | 15.88% | 15.10% | 15.67% | 15.39% | -30 bps | |
| Equity / Assets | 9.12% | 8.65% | 8.67% | 8.76% | 8.43% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.25% | 82.62% | 87.87% | 89.73% | 84.52% | -473 bps | |
| Liquid Assets / Assets | 5.04% | 10.04% | 6.74% | 3.18% | 8.63% | +360 bps | |
| CRE / Total Capital | n/a | 119.93% | 124.63% | 124.94% | n/a | n/a | |