Bells, TX · Cert 3098 · Cendera Financial Holdings Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 3.9% share · #6 of 17 inst. · $0.2B of $4.1B
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 | 0.09% | 0.16% | 0.02% | 0.17% | 0.27% | 0.29% | 0.24% | 0.37% | +20 bps | |
| Return on Equity | 0.68% | 1.23% | 0.22% | 1.51% | 2.40% | 2.55% | 2.00% | 3.28% | +177 bps | |
| Net Interest Margin | 3.65% | 3.48% | 3.87% | 3.97% | 3.87% | 3.76% | 3.96% | 3.92% | -5 bps | |
| Efficiency Ratio | 95.60% | 94.97% | 90.30% | 88.27% | 86.85% | 87.40% | 92.77% | 87.70% | -58 bps | |
| Non-Interest Burden | 3.48% | 3.30% | 3.49% | 3.48% | 3.34% | 3.27% | 3.66% | 3.42% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.44% | 22.04% | 19.64% | 17.13% | 14.18% | 0.98% | 0.82% | 13.36% | -377 bps | |
| Loan Growth (YoY) | 14.20% | 14.89% | 21.50% | 17.32% | 16.01% | 3.41% | -2.70% | 7.38% | -994 bps | |
| Deposit Growth (YoY) | 29.11% | 29.45% | 25.47% | 19.22% | 15.51% | 0.32% | 0.34% | 14.54% | -469 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.85% | 0.53% | 0.72% | 0.22% | 0.40% | 0.27% | 0.37% | -35 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.10% | 1.15% | 1.14% | 1.17% | 1.13% | 1.04% | -11 bps | |
| Allowance Coverage of NPLs | 4.0x | 1.3x | 2.1x | 1.6x | 5.1x | 2.9x | 4.1x | 2.8x | +1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.96% | 12.12% | 11.69% | 11.58% | 11.25% | 11.09% | 11.79% | 11.25% | -33 bps | |
| Total Risk-Based Capital | 12.96% | 12.12% | 11.69% | 11.58% | 11.25% | 11.09% | 11.79% | 11.25% | -33 bps | |
| Equity / Assets | 11.94% | 11.49% | 11.50% | 11.59% | 10.85% | 11.83% | 11.81% | 10.62% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.02% | 85.95% | 93.54% | 93.89% | 88.41% | 88.59% | 90.70% | 88.03% | -586 bps | |
| Liquid Assets / Assets | 16.24% | 17.28% | 11.29% | 10.52% | 13.89% | 11.53% | 9.38% | 12.08% | +155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 339% | 302% | 310% | n/a | n/a | |