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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 1.37% | 1.45% | 1.48% | -2.92% | -423 bps | |
| Return on Equity | 11.42% | 11.77% | 12.26% | 12.31% | -24.99% | -3,641 bps | |
| Net Interest Margin | 3.54% | 3.52% | 3.63% | 3.69% | 3.86% | +32 bps | |
| Efficiency Ratio | 54.32% | 52.75% | 50.92% | 50.59% | 193.90% | +13,957 bps | |
| Non-Interest Burden | 1.88% | 1.81% | 1.80% | 1.82% | 7.33% | +545 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.43% | 4.05% | 8.06% | -0.99% | -9.99% | -2,542 bps | |
| Loan Growth (YoY) | 11.96% | 6.97% | 4.28% | -2.23% | 0.60% | -1,136 bps | |
| Deposit Growth (YoY) | 18.04% | 3.06% | 8.98% | -0.55% | -5.04% | -2,308 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.21% | 0.19% | 0.13% | 0.12% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.11% | +11 bps | |
| Allowance / Loans | 0.71% | 0.71% | 0.71% | 0.74% | 0.74% | +2 bps | |
| Allowance Coverage of NPLs | 5.4x | 3.4x | 3.6x | 5.9x | 6.0x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.88% | 12.06% | 12.41% | 12.63% | 9.51% | -236 bps | |
| Total Risk-Based Capital | 11.88% | 12.06% | 12.41% | 12.63% | 9.51% | -236 bps | |
| Equity / Assets | 11.56% | 12.08% | 12.17% | 12.95% | 10.30% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.95% | 97.95% | 100.67% | 103.50% | 105.89% | +594 bps | |
| Liquid Assets / Assets | 13.36% | 14.00% | 13.67% | 12.03% | 3.86% | -951 bps | |
| CRE / Total Capital | n/a | n/a | 400% | 409% | 567% | n/a | |