Perryton, TX · Cert 31043 · Isb Holdings Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 0.3% share · #15 of 21 inst. · $0.0B of $11.7B
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 | 1.09% | 0.98% | 1.59% | 1.59% | 1.45% | 0.76% | 1.02% | 1.01% | -58 bps | |
| Return on Equity | 20.62% | 18.85% | 29.57% | 28.54% | 24.57% | 12.66% | 16.20% | 15.91% | -1,263 bps | |
| Net Interest Margin | 3.83% | 3.76% | 3.46% | 3.56% | 3.55% | 3.45% | 3.07% | 3.11% | -45 bps | |
| Efficiency Ratio | 48.33% | 53.69% | 47.45% | 49.72% | 48.14% | 56.62% | 62.65% | 64.52% | +1,480 bps | |
| Non-Interest Burden | 1.56% | 1.77% | 1.30% | 1.47% | 1.39% | 1.69% | 1.74% | 1.81% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.54% | 1.99% | 7.62% | 4.31% | 2.07% | -2.17% | 5.27% | 4.77% | +46 bps | |
| Loan Growth (YoY) | 8.34% | 1.52% | -5.96% | -10.66% | -14.00% | -15.23% | -14.22% | -9.68% | +98 bps | |
| Deposit Growth (YoY) | 3.32% | 1.92% | 7.26% | 3.39% | 1.08% | -3.60% | 4.89% | 4.22% | +83 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.66% | 1.45% | 1.34% | 1.58% | 4.24% | 4.42% | 4.24% | 3.47% | +190 bps | |
| Net Charge-Offs / Loans | 1.15% | 1.16% | 0.08% | 0.11% | 0.63% | 1.72% | -0.31% | -2.48% | -259 bps | |
| Allowance / Loans | 1.35% | 1.34% | 1.35% | 1.36% | 1.38% | 1.37% | 1.48% | 2.62% | +126 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 0.9x | 0.3x | 0.3x | 0.3x | 0.8x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.62% | 9.86% | 10.02% | 10.19% | 9.43% | 9.30% | 9.36% | -65 bps | |
| Total Risk-Based Capital | 9.75% | 9.62% | 9.86% | 10.02% | 10.19% | 9.43% | 9.30% | 9.36% | -65 bps | |
| Equity / Assets | 5.99% | 5.02% | 5.76% | 5.91% | 6.88% | 6.46% | 6.10% | 6.44% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.58% | 62.84% | 62.64% | 61.53% | 60.90% | 55.26% | 51.23% | 53.33% | -821 bps | |
| Liquid Assets / Assets | 1.48% | 11.78% | 11.16% | 12.83% | 10.96% | 18.02% | 20.64% | 17.86% | +503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 210% | 212% | n/a | n/a | |