Lufkin, TX · Cert 32018
SI · FDIC · 1 branch
Q2 2026
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 | 1.32% | 1.29% | 1.03% | 1.10% | 1.09% | 1.14% | 0.98% | 1.06% | -5 bps | |
| Return on Equity | 13.60% | 12.75% | 9.89% | 10.40% | 10.48% | 10.85% | 8.80% | 9.38% | -101 bps | |
| Net Interest Margin | 5.03% | 5.10% | 4.81% | 4.81% | 4.57% | 4.75% | 4.60% | 4.57% | -24 bps | |
| Efficiency Ratio | 65.99% | 71.09% | 76.54% | 72.54% | 72.02% | 69.15% | 73.67% | 73.63% | +110 bps | |
| Non-Interest Burden | 3.00% | 3.36% | 3.47% | 3.24% | 3.06% | 3.02% | 3.16% | 3.13% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.09% | 10.54% | 6.37% | 1.45% | 10.37% | 7.33% | 4.87% | 5.71% | +426 bps | |
| Loan Growth (YoY) | -9.90% | -9.16% | -5.01% | -1.05% | 5.36% | 24.12% | 19.74% | 24.20% | +2,525 bps | |
| Deposit Growth (YoY) | 10.77% | 9.91% | 5.36% | -0.07% | 9.85% | 6.72% | 4.05% | 5.13% | +520 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.48% | 0.05% | 0.32% | 0.29% | 0.25% | 0.20% | 0.18% | 0.16% | -13 bps | |
| Net Charge-Offs / Loans | 1.60% | -0.17% | -0.05% | 0.19% | -0.06% | 0.00% | 0.35% | 0.01% | -18 bps | |
| Allowance / Loans | 1.60% | 1.68% | 1.63% | 1.62% | 1.63% | 1.55% | 1.55% | 1.54% | -8 bps | |
| Allowance Coverage of NPLs | 1.1x | 36.4x | 5.1x | 5.7x | 6.6x | 7.9x | 8.6x | 9.9x | +4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 10.32% | 10.66% | 10.88% | 10.47% | 10.96% | 11.36% | 11.44% | +56 bps | |
| Total Risk-Based Capital | 26.48% | 28.56% | 28.31% | 29.14% | 29.72% | 26.79% | 27.73% | 27.87% | -127 bps | |
| Equity / Assets | 9.89% | 10.37% | 10.56% | 10.68% | 10.16% | 10.88% | 11.28% | 11.27% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.82% | 51.72% | 52.74% | 51.82% | 49.70% | 60.15% | 60.69% | 61.22% | +940 bps | |
| Liquid Assets / Assets | 50.78% | 51.00% | 50.31% | 51.16% | 53.96% | 44.34% | 43.95% | 42.19% | -897 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 108.54% | 121.35% | 113.90% | n/a | n/a | |