Cooper, TX · Cert 3149 · Cooper Lake Financial Corp.
National charter · OCC · 1 branch
Q2 2026
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 | 0.87% | 0.89% | 0.88% | 0.97% | 0.90% | +3 bps | |
| Return on Equity | 6.77% | 6.81% | 6.74% | 7.50% | 6.95% | +18 bps | |
| Net Interest Margin | 2.83% | 2.87% | 2.90% | 2.91% | 2.88% | +5 bps | |
| Efficiency Ratio | 68.76% | 67.83% | 68.03% | 64.27% | 66.49% | -227 bps | |
| Non-Interest Burden | 1.81% | 1.81% | 1.84% | 1.74% | 1.79% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.63% | 4.25% | 5.62% | 5.83% | 5.71% | +409 bps | |
| Loan Growth (YoY) | 1.17% | -1.97% | -0.53% | -2.88% | -7.17% | -834 bps | |
| Deposit Growth (YoY) | 0.65% | 3.99% | 5.23% | 5.64% | 5.76% | +512 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.34% | 1.50% | 1.36% | 1.44% | +144 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.75% | 0.76% | 0.76% | 0.77% | 0.81% | +5 bps | |
| Allowance Coverage of NPLs | 245.0x | 0.6x | 0.5x | 0.6x | 0.6x | -244.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.56% | 13.91% | 13.61% | 13.26% | 13.12% | -44 bps | |
| Total Risk-Based Capital | 13.56% | 13.91% | 13.61% | 13.26% | 13.12% | -44 bps | |
| Equity / Assets | 12.97% | 13.59% | 13.17% | 12.77% | 12.88% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.49% | 69.85% | 66.59% | 62.73% | 61.00% | -850 bps | |
| Liquid Assets / Assets | 3.19% | 2.77% | 2.68% | 2.55% | 2.60% | -59 bps | |
| CRE / Total Capital | n/a | 38.04% | 37.27% | 37.15% | n/a | n/a | |