Daingerfield, TX · Cert 3161 · Daingerfield Holding Co.
National charter · OCC · 6 branches
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 TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
33
Profitability
43
Liquidity
0
Efficiency
53
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.
Daingerfield, TX · Cert 3161 · Daingerfield Holding Co.
National charter · OCC · 6 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 5.2% share · #5 of 25 inst. · $0.4B of $8.0B
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 | 0.81% | 0.87% | 1.22% | 1.10% | 1.12% | 1.12% | 0.99% | 1.11% | +1 bps | |
| Return on Equity | 9.19% | 9.76% | 13.42% | 12.14% | 12.28% | 12.15% | 10.28% | 11.34% | -80 bps | |
| Net Interest Margin | 2.78% | 2.75% | 3.59% | 3.58% | 3.52% | 3.49% | 3.48% | 3.54% | -4 bps | |
| Efficiency Ratio | 60.55% | 59.99% | 54.76% | 56.50% | 55.39% | 56.10% | 65.15% | 63.61% | +711 bps | |
| Non-Interest Burden | 1.50% | 1.47% | 1.72% | 1.77% | 1.68% | 1.67% | 2.06% | 1.98% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.20% | 40.84% | 37.76% | 29.38% | 8.69% | 11.75% | 4.23% | -0.14% | -2,952 bps | |
| Loan Growth (YoY) | 41.06% | 45.16% | 43.97% | 31.10% | 21.80% | 10.45% | -0.31% | -2.56% | -3,365 bps | |
| Deposit Growth (YoY) | 47.04% | 47.60% | 42.75% | 35.19% | 9.05% | 9.97% | 0.99% | -1.88% | -3,707 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.02% | 0.01% | 0.14% | 0.51% | 1.39% | 1.39% | 1.27% | +114 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.06% | 0.03% | 0.10% | 0.28% | 0.05% | 0.04% | +1 bps | |
| Allowance / Loans | 1.01% | 1.05% | 1.05% | 1.17% | 1.27% | 1.21% | 1.26% | 1.28% | +11 bps | |
| Allowance Coverage of NPLs | 34.3x | 52.9x | 120.1x | 8.7x | 2.5x | 0.9x | 0.9x | 1.0x | -7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.05% | 9.42% | 9.25% | 9.28% | 9.56% | 9.94% | 10.17% | +92 bps | |
| Total Risk-Based Capital | 11.24% | 10.81% | 11.35% | 11.03% | 11.61% | 11.71% | 12.30% | 12.35% | +132 bps | |
| Equity / Assets | 8.73% | 9.01% | 9.17% | 8.99% | 9.27% | 9.51% | 9.83% | 10.14% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.81% | 101.86% | 101.32% | 99.65% | 101.43% | 102.30% | 100.01% | 98.96% | -68 bps | |
| Liquid Assets / Assets | 2.61% | 5.85% | 3.88% | 2.92% | 4.42% | 6.82% | 5.92% | 4.27% | +135 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 464% | 438% | 421% | n/a | n/a | |
Daingerfield, TX · Cert 3161 · Peer group: banks under $1B in assets in TX (n=208-211) · Daingerfield Holding Co.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
1.13%
Rank 117 of 211
Net Interest Margin
3.54%
Rank 131 of 211
Efficiency Ratio
63.61%
Rank 101 of 211
Equity / Assets
10.14%
Rank 136 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.87% | 1.20% | 1.65% | Beats 45% | 117 / 211 | ||
| Return on Equity | 11.10% | 7.52% | 11.67% | 14.58% | Beats 46% | 114 / 211 | ||
| Net Interest Margin | 3.54% | 3.28% | 3.82% | 4.31% | Beats 38% | 131 / 211 | ||
| Efficiency Ratio | 63.61% | 53.01% | 64.18% | 73.65% | Beats 53% | 101 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.01% | 0.30% | 1.10% | Beats 23% | 161 / 208 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 42% | 122 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.14% | 11.72% | 14.45% | 19.57% | Beats 19% | 170 / 211 | ||
| Total Risk-Based Capital Ratio | 12.35% | 11.94% | 14.78% | 20.30% | Beats 33% | 142 / 211 | ||
| Equity / Assets | 10.14% | 9.41% | 11.06% | 12.94% | Beats 36% | 136 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.96% | 45.39% | 66.56% | 82.03% | 97th pctl | 6 / 208 | ||
| Loans / Assets | 85.81% | 39.13% | 56.90% | 70.46% | 98th pctl | 4 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||