Celeste, TX · Cert 3133 · Metroplex North Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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 the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
70
Profitability
29
Liquidity
0
Efficiency
21
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.
Celeste, TX · Cert 3133 · Metroplex North Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #138 of 166 inst. · $0.1B of $732.8B
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 | 1.10% | 1.08% | 0.99% | 0.99% | 1.01% | 1.02% | 0.97% | 1.06% | +6 bps | |
| Return on Equity | 14.46% | 14.12% | 12.39% | 12.55% | 12.79% | 12.84% | 11.84% | 12.75% | +20 bps | |
| Net Interest Margin | 3.68% | 3.62% | 3.51% | 3.51% | 3.53% | 3.56% | 3.57% | 3.66% | +15 bps | |
| Efficiency Ratio | 64.97% | 64.46% | 67.05% | 67.02% | 66.59% | 67.13% | 68.77% | 67.74% | +72 bps | |
| Non-Interest Burden | 2.21% | 2.16% | 2.20% | 2.20% | 2.21% | 2.24% | 2.32% | 2.32% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.02% | 1.56% | 0.22% | 7.51% | 8.07% | 3.43% | 4.87% | 0.21% | -730 bps | |
| Loan Growth (YoY) | -0.87% | -5.07% | -2.56% | -9.15% | -1.62% | -0.46% | 6.87% | 13.65% | +2,281 bps | |
| Deposit Growth (YoY) | 0.16% | 0.85% | -0.53% | 7.54% | 8.23% | 3.12% | 4.70% | -0.53% | -808 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.24% | -0.30% | -0.04% | 0.02% | 0.02% | 0.12% | 0.07% | +11 bps | |
| Allowance / Loans | 1.61% | 1.64% | 1.78% | 1.80% | 1.78% | 1.79% | 1.66% | 1.59% | -21 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 97.6x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.91% | 7.86% | 8.04% | 7.97% | 7.94% | 8.05% | 8.34% | 8.39% | +43 bps | |
| Total Risk-Based Capital | 20.92% | 21.43% | 22.55% | 22.42% | 21.83% | 21.63% | 21.36% | 21.26% | -116 bps | |
| Equity / Assets | 7.84% | 7.89% | 8.05% | 7.79% | 7.77% | 8.19% | 8.25% | 8.41% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.39% | 38.15% | 37.93% | 35.45% | 35.80% | 36.83% | 38.72% | 40.51% | +506 bps | |
| Liquid Assets / Assets | 62.13% | 61.44% | 63.15% | 65.57% | 66.15% | 62.73% | 62.24% | 60.94% | -463 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 119.24% | 119.28% | 126.14% | n/a | n/a | |
Celeste, TX · Cert 3133 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Metroplex North Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.05%
Rank 23 of 28
Net Interest Margin
3.66%
Rank 24 of 28
Efficiency Ratio
67.74%
Rank 23 of 28
Equity / Assets
8.41%
Rank 26 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 1.12% | 1.22% | 1.47% | Beats 18% | 23 / 28 | ||
| Return on Equity | 12.51% | 8.64% | 12.47% | 13.41% | Beats 54% | 13 / 28 | ||
| Net Interest Margin | 3.66% | 3.77% | 4.06% | 4.51% | Beats 14% | 24 / 28 | ||
| Efficiency Ratio | 67.74% | 57.39% | 61.94% | 66.78% | Beats 21% | 23 / 28 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | n/a | 0.28% | 1.06% | Beats 100% | 9 / 28 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.20% | Beats 39% | 18 / 28 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.01% | 12.55% | 13.77% | 17.51% | Beats 82% | 5 / 28 | ||
| Total Risk-Based Capital Ratio | 21.26% | 12.59% | 14.62% | 18.18% | Beats 82% | 5 / 28 | ||
| Equity / Assets | 8.41% | 9.58% | 11.17% | 13.58% | Beats 7% | 26 / 28 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.51% | 66.90% | 84.79% | 89.14% | 4th pctl | 27 / 28 | ||
| Loans / Assets | 36.84% | 57.58% | 73.59% | 77.32% | 7th pctl | 26 / 28 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||