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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.74% | 1.21% | 1.62% | 1.60% | 0.89% | 1.37% | 1.60% | -2 bps | |
| Return on Equity | 11.60% | 12.72% | 8.78% | 11.87% | 11.83% | 6.52% | 9.85% | 11.62% | -25 bps | |
| Net Interest Margin | 4.81% | 4.95% | 4.65% | 4.77% | 4.85% | 4.75% | 4.53% | 4.79% | +2 bps | |
| Efficiency Ratio | 70.30% | 68.24% | 74.32% | 66.51% | 65.82% | 66.15% | 68.82% | 67.35% | +84 bps | |
| Non-Interest Burden | 2.79% | 2.72% | 3.00% | 2.38% | 2.62% | 3.54% | 2.68% | 2.70% | +32 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 | -0.03% | 0.06% | 0.04% | 0.01% | -0.03% | -0.01% | 0.05% | 0.05% | +4 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 | |