Bellville, TX · Cert 3099
FDIC · 3 branches
Q2 2025
Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.2% share · #36 of 109 inst. · $0.7B of $348.4B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.68% | -1.95% | -0.02% | -0.07% | -0.11% | 0.01% | 0.16% | 0.44% | +51 bps | |
| Return on Equity | 114.90% | 90.58% | 1.01% | 3.00% | 5.60% | -0.33% | -3.97% | -10.14% | -1,314 bps | |
| Net Interest Margin | 1.44% | 1.37% | 0.99% | 1.01% | 1.05% | 1.08% | 1.29% | 1.37% | +36 bps | |
| Efficiency Ratio | 72.03% | 75.42% | 99.51% | 102.59% | 102.18% | 99.82% | 87.31% | 78.63% | -2,395 bps | |
| Non-Interest Burden | 3.66% | 3.02% | 0.98% | 1.05% | 1.09% | 1.08% | 1.04% | 0.90% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.77% | 3.14% | 2.19% | -0.73% | 8.73% | -6.58% | -12.45% | -13.08% | -1,235 bps | |
| Loan Growth (YoY) | 11.68% | 10.93% | 9.94% | 2.01% | -0.51% | -1.45% | -6.26% | -7.36% | -937 bps | |
| Deposit Growth (YoY) | -2.15% | -2.21% | 1.35% | -1.75% | -2.20% | 1.48% | -5.30% | -5.39% | -364 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.12% | 1.25% | 0.14% | 0.16% | 0.15% | 0.04% | 0.09% | -5 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | 0.02% | 0.08% | +5 bps | |
| Allowance / Loans | 1.47% | 1.47% | 1.46% | 1.45% | 1.45% | 1.46% | 1.52% | 1.51% | +6 bps | |
| Allowance Coverage of NPLs | 17.4x | 12.3x | 1.2x | 10.4x | 8.9x | 9.7x | 37.5x | 16.0x | +5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 11.06% | 10.65% | 10.69% | 10.95% | 11.04% | 11.51% | 12.14% | +145 bps | |
| Total Risk-Based Capital | 25.39% | 11.06% | 10.65% | 10.69% | 10.95% | 11.04% | 11.51% | 12.14% | +145 bps | |
| Equity / Assets | -8.49% | -1.48% | -2.47% | -3.03% | -0.85% | -3.63% | -4.32% | -5.26% | -223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.45% | 33.63% | 32.36% | 33.81% | 34.03% | 32.65% | 32.03% | 33.11% | -71 bps | |
| Liquid Assets / Assets | 5.30% | 7.63% | 12.82% | 8.91% | 10.04% | 8.36% | 9.53% | 6.59% | -232 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |