Fort Worth, TX · Cert 31361 · Jed Trust the
SL · OCC · 7 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #98 of 166 inst. · $0.3B 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 | 0.13% | 0.18% | 0.30% | 0.37% | 1.11% | 0.25% | -2.82% | -2.41% | -277 bps | |
| Return on Equity | 0.58% | 0.79% | 1.27% | 1.54% | 4.53% | 0.96% | -7.00% | -5.67% | -721 bps | |
| Net Interest Margin | 1.65% | 1.81% | 1.81% | 2.05% | 1.96% | 2.64% | 3.28% | 3.40% | +135 bps | |
| Efficiency Ratio | 100.65% | 97.84% | 91.62% | 89.27% | 45.63% | 55.25% | 209% | 192.24% | +10,297 bps | |
| Non-Interest Burden | 1.47% | 1.50% | 1.27% | 1.38% | -3.72% | -1.73% | 6.12% | 5.82% | +444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.77% | -4.07% | -8.17% | -8.31% | -11.09% | -34.72% | -47.54% | -49.39% | -4,108 bps | |
| Loan Growth (YoY) | -3.67% | -6.28% | -7.23% | -7.62% | -12.79% | -87.70% | -84.50% | -83.35% | -7,573 bps | |
| Deposit Growth (YoY) | 7.20% | -13.33% | -11.38% | -13.84% | -8.93% | -28.60% | -54.35% | -58.07% | -4,424 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.89% | 5.14% | 4.93% | 5.06% | 5.19% | 0.01% | 0.34% | 0.38% | -467 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.05% | 0.02% | 8.68% | 47.09% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.14% | 1.17% | 0.21% | 1.63% | 1.33% | 1.50% | +32 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.2x | 0.2x | 0.2x | 0.0x | 179.0x | 3.9x | 3.9x | +3.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 12.90% | 13.91% | 14.56% | 23.73% | 28.25% | 42.68% | 46.07% | +3,151 bps | |
| Total Risk-Based Capital | 21.13% | 22.17% | 23.74% | 25.40% | 62.63% | 190.37% | 175.40% | 175.73% | +15,033 bps | |
| Equity / Assets | 22.72% | 23.22% | 23.98% | 24.49% | 26.94% | 36.24% | 45.55% | 47.41% | +2,292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.86% | 125.52% | 117.49% | 112.83% | 97.55% | 21.63% | 39.88% | 44.80% | -6,803 bps | |
| Liquid Assets / Assets | 6.88% | 6.33% | 6.20% | 7.03% | 25.06% | 79.80% | 73.09% | 72.06% | +6,503 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 18.52% | 20.29% | 29.12% | n/a | n/a | |