Burkburnett, TX · Cert 3121 · First Burkburnett Bancshares
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
58
Asset Quality
36
Profitability
66
Liquidity
0
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Burkburnett, TX · Cert 3121 · First Burkburnett Bancshares
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Wichita Falls, TX · 2026 SOD (annual) · 11.9% share · #3 of 14 inst. · $0.5B of $4.3B
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 | 1.39% | 1.48% | 1.21% | 1.41% | 1.48% | 1.34% | 1.37% | 1.48% | +7 bps | |
| Return on Equity | 10.38% | 10.98% | 8.78% | 10.31% | 10.82% | 9.75% | 9.85% | 10.72% | +41 bps | |
| Net Interest Margin | 4.72% | 4.73% | 4.65% | 4.67% | 4.66% | 4.69% | 4.53% | 4.60% | -7 bps | |
| Efficiency Ratio | 72.42% | 71.32% | 74.32% | 70.19% | 68.74% | 68.12% | 68.82% | 68.05% | -214 bps | |
| Non-Interest Burden | 2.89% | 2.82% | 3.00% | 2.66% | 2.61% | 2.85% | 2.68% | 2.65% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | 1.78% | 4.84% | 5.92% | 7.16% | 2.90% | 4.49% | 3.86% | -207 bps | |
| Loan Growth (YoY) | 0.35% | 5.53% | 5.30% | 7.99% | 5.34% | -2.58% | -0.44% | -1.81% | -980 bps | |
| Deposit Growth (YoY) | 2.14% | 1.09% | 0.86% | 2.25% | 4.59% | 6.48% | 8.38% | 7.46% | +521 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 1.21% | 1.19% | 1.01% | 0.84% | 1.00% | 1.40% | 0.80% | -21 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.04% | 0.02% | 0.00% | 0.00% | 0.05% | 0.05% | +3 bps | |
| Allowance / Loans | 1.95% | 1.83% | 1.91% | 1.90% | 1.98% | 2.06% | 2.10% | 2.03% | +13 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.6x | 1.9x | 2.4x | 2.1x | 1.5x | 2.5x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.43% | 13.80% | 13.64% | 13.59% | 13.42% | 13.99% | 14.05% | 13.87% | +27 bps | |
| Total Risk-Based Capital | 14.39% | 14.33% | 14.30% | 14.11% | 14.49% | 14.89% | 14.96% | 14.66% | +55 bps | |
| Equity / Assets | 13.50% | 13.79% | 13.74% | 13.59% | 13.43% | 14.01% | 13.78% | 13.72% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.17% | 107.28% | 103.27% | 105.56% | 100.90% | 98.16% | 94.87% | 96.46% | -910 bps | |
| Liquid Assets / Assets | 9.07% | 6.84% | 10.17% | 7.81% | 11.49% | 12.22% | 15.10% | 13.26% | +544 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 296% | 296% | 305% | n/a | n/a | |
Burkburnett, TX · Cert 3121 · Peer group: banks under $1B in assets in TX (n=208-211) · First Burkburnett Bancshares
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.46%
Rank 67 of 211
Net Interest Margin
4.60%
Rank 31 of 211
Efficiency Ratio
68.05%
Rank 134 of 211
Equity / Assets
13.72%
Rank 41 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.87% | 1.20% | 1.65% | Beats 68% | 67 / 211 | ||
| Return on Equity | 10.60% | 7.52% | 11.67% | 14.58% | Beats 44% | 119 / 211 | ||
| Net Interest Margin | 4.60% | 3.28% | 3.82% | 4.31% | Beats 85% | 31 / 211 | ||
| Efficiency Ratio | 68.05% | 53.01% | 64.18% | 73.65% | Beats 37% | 134 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.01% | 0.30% | 1.10% | Beats 31% | 144 / 208 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 41% | 124 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.40% | 11.72% | 14.45% | 19.57% | Beats 44% | 118 / 211 | ||
| Total Risk-Based Capital Ratio | 14.66% | 11.94% | 14.78% | 20.30% | Beats 49% | 107 / 211 | ||
| Equity / Assets | 13.72% | 9.41% | 11.06% | 12.94% | Beats 81% | 41 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.46% | 45.39% | 66.56% | 82.03% | 96th pctl | 9 / 208 | ||
| Loans / Assets | 82.73% | 39.13% | 56.90% | 70.46% | 97th pctl | 7 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||