Floydada, TX · Cert 3197 · Floyd County Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 0.3% share · #15 of 17 inst. · $0.0B of $4.1B
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 1.63% | 1.69% | 1.94% | 2.27% | +71 bps | |
| Return on Equity | 15.05% | 15.89% | 16.73% | 19.93% | 23.46% | +841 bps | |
| Net Interest Margin | 4.18% | 4.19% | 3.75% | 4.62% | 4.61% | +43 bps | |
| Efficiency Ratio | 52.26% | 50.94% | 53.31% | 47.17% | 46.29% | -597 bps | |
| Non-Interest Burden | 1.95% | 1.91% | 1.81% | 1.88% | 1.77% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.61% | 8.73% | 11.27% | 20.20% | 29.18% | +2,357 bps | |
| Loan Growth (YoY) | 19.93% | 12.81% | 11.67% | 26.93% | 33.57% | +1,364 bps | |
| Deposit Growth (YoY) | 11.28% | 11.23% | 11.38% | 21.35% | 33.91% | +2,263 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.47% | 0.44% | 0.00% | 0.00% | -70 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 1.07% | 1.06% | 0.96% | 0.98% | 0.84% | -24 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.2x | 2.2x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.84% | 10.68% | 9.22% | 9.88% | 9.69% | -114 bps | |
| Total Risk-Based Capital | 10.84% | 10.68% | 9.22% | 9.88% | 9.69% | -114 bps | |
| Equity / Assets | 10.81% | 10.20% | 9.48% | 10.00% | 9.53% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.40% | 90.63% | 87.99% | 96.61% | 97.15% | -25 bps | |
| Liquid Assets / Assets | 0.84% | 6.68% | 10.56% | 2.24% | 3.28% | +243 bps | |
| CRE / Total Capital | n/a | 275% | 310% | 342% | n/a | n/a | |