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 | |