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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 1.03% | 1.02% | 0.97% | 1.14% | +13 bps | |
| Return on Equity | 12.73% | 13.29% | 12.83% | 11.84% | 13.68% | +95 bps | |
| Net Interest Margin | 3.60% | 3.76% | 3.69% | 3.57% | 3.80% | +21 bps | |
| Efficiency Ratio | 66.99% | 65.80% | 68.69% | 68.77% | 66.81% | -18 bps | |
| Non-Interest Burden | 2.26% | 2.33% | 2.39% | 2.32% | 2.36% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 8.07% | 3.43% | 4.87% | 0.21% | -730 bps | |
| Loan Growth (YoY) | -9.15% | -1.62% | -0.46% | 6.87% | 13.65% | +2,281 bps | |
| Deposit Growth (YoY) | 7.54% | 8.23% | 3.12% | 4.70% | -0.53% | -808 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.13% | 0.01% | 0.12% | 0.03% | -21 bps | |
| Allowance / Loans | 1.80% | 1.78% | 1.79% | 1.66% | 1.59% | -21 bps | |
| Allowance Coverage of NPLs | 97.6x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.97% | 7.94% | 8.05% | 8.34% | 8.39% | +43 bps | |
| Total Risk-Based Capital | 22.42% | 21.83% | 21.63% | 21.36% | 21.26% | -116 bps | |
| Equity / Assets | 7.79% | 7.77% | 8.19% | 8.25% | 8.41% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 35.45% | 35.80% | 36.83% | 38.72% | 40.51% | +506 bps | |
| Liquid Assets / Assets | 65.57% | 66.15% | 62.73% | 62.24% | 60.94% | -463 bps | |
| CRE / Total Capital | n/a | 119.24% | 119.28% | 126.14% | n/a | n/a | |