Fayetteville, TX · Cert 3195
FDIC · 3 branches
Q2 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.04% | -0.62% | -0.10% | -0.71% | -0.26% | +77 bps | |
| Return on Equity | 23.49% | 18.09% | 2.55% | 11.20% | 3.34% | -2,015 bps | |
| Net Interest Margin | 0.29% | 0.27% | 0.35% | 0.58% | 0.63% | +34 bps | |
| Efficiency Ratio | 678% | 235% | 196.55% | 150.08% | 111.15% | -56,724 bps | |
| Non-Interest Burden | 1.07% | 0.81% | 0.81% | 0.93% | 0.73% | -34 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.09% | 30.03% | 0.56% | -19.45% | -21.98% | -3,808 bps | |
| Loan Growth (YoY) | -0.74% | -7.13% | 3.27% | -7.28% | -12.20% | -1,146 bps | |
| Deposit Growth (YoY) | 9.65% | 11.78% | 14.10% | -9.01% | -11.11% | -2,076 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.07% | 0.02% | 0.02% | +2 bps | |
| Allowance / Loans | 1.70% | 1.74% | 1.64% | 1.83% | 1.90% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.82% | 10.11% | 10.26% | 11.41% | 11.79% | +197 bps | |
| Total Risk-Based Capital | 9.82% | 10.11% | 10.26% | 11.41% | 11.79% | +197 bps | |
| Equity / Assets | -4.74% | -2.17% | -5.58% | -7.19% | -8.67% | -394 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 18.37% | 18.20% | 18.58% | 18.32% | 18.15% | -22 bps | |
| Liquid Assets / Assets | 22.32% | 21.19% | 15.31% | 11.52% | 10.02% | -1,230 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |