Henderson, TX · Cert 29241
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 1.1% share · #19 of 25 inst. · $0.1B of $8.0B
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 | 1.19% | 1.15% | 0.95% | 1.02% | 1.03% | 1.04% | 0.96% | 1.06% | +3 bps | |
| Return on Equity | 4.76% | 4.58% | 3.78% | 4.08% | 4.08% | 4.13% | 3.76% | 4.13% | +5 bps | |
| Net Interest Margin | 3.73% | 3.69% | 3.54% | 3.46% | 3.49% | 3.49% | 3.47% | 3.47% | +1 bps | |
| Efficiency Ratio | 58.92% | 60.39% | 64.61% | 61.68% | 62.11% | 62.36% | 64.11% | 60.93% | -75 bps | |
| Non-Interest Burden | 2.16% | 2.19% | 2.26% | 2.10% | 2.13% | 2.15% | 2.19% | 2.08% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 1.89% | 5.60% | 5.18% | 3.22% | 4.53% | 1.90% | 1.83% | -335 bps | |
| Loan Growth (YoY) | 5.05% | 2.97% | -1.00% | -2.63% | -0.53% | -5.28% | -1.44% | -1.13% | +150 bps | |
| Deposit Growth (YoY) | -0.84% | 0.92% | 5.92% | 5.19% | 2.73% | 4.15% | 0.84% | 1.02% | -418 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.60% | 2.85% | 4.08% | 4.46% | 3.32% | 3.14% | 3.49% | -59 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | -0.01% | -0.01% | -0.01% | 0.05% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.73% | 1.72% | 1.79% | 1.82% | 1.81% | 1.80% | 1.80% | 1.82% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.1x | 0.6x | 0.4x | 0.4x | 0.5x | 0.6x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 25.80% | 25.81% | 25.84% | 25.61% | 25.87% | 25.84% | 25.80% | 25.94% | +33 bps | |
| Total Risk-Based Capital | 25.80% | 25.81% | 25.84% | 25.61% | 25.87% | 25.84% | 25.80% | 25.94% | +33 bps | |
| Equity / Assets | 25.06% | 25.41% | 24.75% | 25.20% | 25.38% | 25.57% | 25.42% | 25.85% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.32% | 104.16% | 96.84% | 97.74% | 98.10% | 94.72% | 94.65% | 95.66% | -207 bps | |
| Liquid Assets / Assets | 15.18% | 14.91% | 20.66% | 18.93% | 15.80% | 19.20% | 19.58% | 19.34% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 38.54% | 34.73% | 38.93% | n/a | n/a | |