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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.48% | 1.34% | 1.37% | 1.48% | +7 bps | |
| Return on Equity | 10.31% | 10.82% | 9.75% | 9.85% | 10.72% | +41 bps | |
| Net Interest Margin | 4.67% | 4.66% | 4.69% | 4.53% | 4.60% | -7 bps | |
| Efficiency Ratio | 70.19% | 68.74% | 68.12% | 68.82% | 68.05% | -214 bps | |
| Non-Interest Burden | 2.66% | 2.61% | 2.85% | 2.68% | 2.65% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.92% | 7.16% | 2.90% | 4.49% | 3.86% | -207 bps | |
| Loan Growth (YoY) | 7.99% | 5.34% | -2.58% | -0.44% | -1.81% | -980 bps | |
| Deposit Growth (YoY) | 2.25% | 4.59% | 6.48% | 8.38% | 7.46% | +521 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.01% | 0.84% | 1.00% | 1.40% | 0.80% | -21 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.00% | 0.05% | 0.05% | +3 bps | |
| Allowance / Loans | 1.90% | 1.98% | 2.06% | 2.10% | 2.03% | +13 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.4x | 2.1x | 1.5x | 2.5x | +0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.59% | 13.42% | 13.99% | 14.05% | 13.87% | +27 bps | |
| Total Risk-Based Capital | 14.11% | 14.49% | 14.89% | 14.96% | 14.66% | +55 bps | |
| Equity / Assets | 13.59% | 13.43% | 14.01% | 13.78% | 13.72% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.56% | 100.90% | 98.16% | 94.87% | 96.46% | -910 bps | |
| Liquid Assets / Assets | 7.81% | 11.49% | 12.22% | 15.10% | 13.26% | +544 bps | |
| CRE / Total Capital | n/a | 296% | 296% | 305% | n/a | n/a | |