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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.96% | 1.22% | 0.98% | 1.15% | 1.09% | 0.99% | 1.24% | +25 bps | |
| Return on Equity | 11.06% | 10.83% | 13.42% | 10.82% | 12.59% | 11.64% | 10.28% | 12.40% | +158 bps | |
| Net Interest Margin | 3.30% | 3.48% | 3.59% | 3.69% | 3.67% | 3.48% | 3.48% | 3.60% | -9 bps | |
| Efficiency Ratio | 56.14% | 58.78% | 54.76% | 58.10% | 53.35% | 58.12% | 65.15% | 62.22% | +412 bps | |
| Non-Interest Burden | 1.49% | 1.80% | 1.72% | 1.87% | 1.63% | 1.67% | 2.06% | 1.90% | +3 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 | 0.04% | 0.02% | 0.06% | 0.00% | 0.24% | 0.82% | 0.05% | 0.03% | +3 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 | |