Houston, TX · Cert 3178
State charter, non-member · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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 the Houston-Pasadena-The Woodlands, TX area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
44
Profitability
14
Liquidity
0
Efficiency
5
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.
Houston, TX · Cert 3178
State charter, non-member · 2 branches
Q1 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2025 SOD (annual) · 0.2% share · #43 of 109 inst. · $0.6B of $348.4B
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.07% | 1.11% | 1.31% | 1.37% | 1.45% | 1.48% | -2.92% | -423 bps | |
| Return on Equity | 8.58% | 9.22% | 9.58% | 11.42% | 11.77% | 12.26% | 12.31% | -24.99% | -3,641 bps | |
| Net Interest Margin | 3.05% | 3.15% | 3.17% | 3.54% | 3.52% | 3.63% | 3.69% | 3.86% | +32 bps | |
| Efficiency Ratio | 58.70% | 56.43% | 55.59% | 54.32% | 52.75% | 50.92% | 50.59% | 193.90% | +13,957 bps | |
| Non-Interest Burden | 1.76% | 1.74% | 1.72% | 1.88% | 1.81% | 1.80% | 1.82% | 7.33% | +545 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.71% | 3.81% | 13.80% | 15.43% | 4.05% | 8.06% | -0.99% | -9.99% | -2,542 bps | |
| Loan Growth (YoY) | -1.47% | 5.86% | 14.56% | 11.96% | 6.97% | 4.28% | -2.23% | 0.60% | -1,136 bps | |
| Deposit Growth (YoY) | 6.54% | 1.45% | 14.77% | 18.04% | 3.06% | 8.98% | -0.55% | -5.04% | -2,308 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.14% | 0.13% | 0.13% | 0.21% | 0.19% | 0.13% | 0.12% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 0.70% | 0.71% | 0.72% | 0.71% | 0.71% | 0.71% | 0.74% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 20.6x | 4.9x | 5.4x | 5.4x | 3.4x | 3.6x | 5.9x | 6.0x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.74% | 11.63% | 11.59% | 11.88% | 12.06% | 12.41% | 12.63% | 9.51% | -236 bps | |
| Total Risk-Based Capital | 11.74% | 11.63% | 11.59% | 11.88% | 12.06% | 12.41% | 12.63% | 9.51% | -236 bps | |
| Equity / Assets | 11.23% | 11.63% | 11.34% | 11.56% | 12.08% | 12.17% | 12.95% | 10.30% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.37% | 105.20% | 105.28% | 99.95% | 97.95% | 100.67% | 103.50% | 105.89% | +594 bps | |
| Liquid Assets / Assets | 16.12% | 10.33% | 10.80% | 13.36% | 14.00% | 13.67% | 12.03% | 3.86% | -951 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | 400% | 409% | 567% | n/a | |
Houston, TX · Cert 3178 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=22)
State charter, non-member · 2 branches
Q1 2026
Return on Assets
-3.05%
Rank 22 of 22
Net Interest Margin
3.86%
Rank 13 of 22
Efficiency Ratio
193.95%
Rank 22 of 22
Equity / Assets
10.30%
Rank 13 of 22
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.05% | 0.54% | 0.99% | 1.33% | Beats 0% | 22 / 22 | ||
| Return on Equity | -29.55% | 4.20% | 8.32% | 14.54% | Beats 0% | 22 / 22 | ||
| Net Interest Margin | 3.86% | 3.28% | 4.11% | 4.43% | Beats 41% | 13 / 22 | ||
| Efficiency Ratio | 193.95% | 59.73% | 71.98% | 91.41% | Beats 5% | 22 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.00% | 0.26% | 1.18% | Beats 64% | 9 / 22 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.00% | 0.01% | Beats 23% | 18 / 22 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.51% | 12.88% | 17.20% | 20.08% | Beats 0% | 22 / 22 | ||
| Total Risk-Based Capital Ratio | 9.51% | 12.88% | 17.30% | 21.34% | Beats 0% | 22 / 22 | ||
| Equity / Assets | 10.30% | 9.02% | 11.27% | 14.58% | Beats 41% | 13 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.89% | 61.46% | 75.91% | 95.25% | 91st pctl | 2 / 22 | ||
| Loans / Assets | 92.17% | 54.11% | 68.34% | 74.32% | 95th pctl | 1 / 22 | ||
| Brokered Deposits / Deposits | 0.79% | n/a | 0.00% | 5.10% | Beats 41% | 14 / 22 | ||