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First National Bank in Cooper, The

Cooper, TX · Cert 3149 · Cooper Lake Financial Corp.

National charter · OCC · 1 branch

Q2 2026

$57.3MAssets
$30.3MLoans
$49.7MDeposits
$7.4MEquity
Loan mix
92%RE $28.0M2%C&I $0.7M6%Consumer $1.8MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $34.1M31%Noninterest $15.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.82%, down 1 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 1.44% of loans (+144 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.12%, down 44 bps from a year ago.
  • Funding: loans stand at 61.00% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.82%-1 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+2 bps YoY

Efficiency Ratio (quarter, annualized)

68.72%-10 bps YoY

Tier 1 Leverage Ratio

13.12%-44 bps YoY

NIM

3.96%Q2 ’244.10%Q2 ’254.18%Q2 ’260%+1%

Non-interest income vs. expense

2.23%Q2 ’242.26%Q2 ’252.24%Q2 ’26+2%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%0.83%0.90%0.83%0.92%0.87%0.97%0.82%-1 bps
Return on Equity8.10%6.35%7.06%6.46%6.93%6.48%7.50%6.37%-8 bps
Net Interest Margin3.06%2.83%2.80%2.84%2.92%3.13%2.91%2.86%+2 bps
Efficiency Ratio64.67%71.31%68.71%68.82%66.00%68.58%64.27%68.72%-10 bps
Non-Interest Burden1.81%1.77%1.80%1.82%1.78%2.02%1.74%1.84%+2 bps
Growth
Asset Growth (YoY)-0.98%2.09%0.42%1.63%4.25%5.62%5.83%5.71%+409 bps
Loan Growth (YoY)12.82%7.10%1.48%1.17%-1.97%-0.53%-2.88%-7.17%-834 bps
Deposit Growth (YoY)-2.75%1.48%-0.51%0.65%3.99%5.23%5.64%5.76%+512 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.00%0.00%1.34%1.50%1.36%1.44%+144 bps
Net Charge-Offs / Loans0.07%0.00%0.00%0.00%0.01%0.00%0.00%0.00%0 bps
Allowance / Loans0.75%0.76%0.75%0.75%0.76%0.76%0.77%0.81%+5 bps
Allowance Coverage of NPLsn/a122.5xn/a245.0x0.6x0.5x0.6x0.6x-244.4x
Capital
Tier 1 Leverage Ratio13.94%14.26%13.60%13.56%13.91%13.61%13.26%13.12%-44 bps
Total Risk-Based Capital13.94%14.26%13.60%13.56%13.91%13.61%13.26%13.12%-44 bps
Equity / Assets13.36%12.88%12.68%12.97%13.59%13.17%12.77%12.88%-9 bps
Liquidity & Funding
Loans / Deposits74.10%70.45%68.24%69.49%69.85%66.59%62.73%61.00%-850 bps
Liquid Assets / Assets3.86%3.12%2.98%3.19%2.77%2.68%2.55%2.60%-59 bps
CRE / Total Capitaln/an/an/an/a38.04%37.27%37.15%n/an/a