Gatesville, TX · Cert 3214
FDIC · 7 branches
Q1 2021
Market Position · Killeen-Temple, TX · 2020 SOD (annual) · 10.2% share · #4 of 20 inst. · $0.6B of $5.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 0.57% | 1.59% | 0.40% | 0.92% | -12 bps | |
| Return on Equity | 9.66% | 5.58% | 16.00% | 4.03% | 9.47% | -19 bps | |
| Net Interest Margin | 4.08% | 3.49% | 3.34% | 3.25% | 3.18% | -90 bps | |
| Efficiency Ratio | 67.91% | 69.76% | 58.02% | 85.00% | 68.38% | +47 bps | |
| Non-Interest Burden | 2.57% | 2.28% | 1.37% | 2.68% | 2.02% | -56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.13% | 16.55% | 16.13% | 16.46% | 18.23% | +1,309 bps | |
| Loan Growth (YoY) | 10.98% | 10.74% | 10.30% | 5.54% | 1.63% | -936 bps | |
| Deposit Growth (YoY) | 4.68% | 17.65% | 17.01% | 17.72% | 19.95% | +1,527 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 1.54% | 1.49% | 1.46% | 1.55% | +99 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.00% | -0.04% | -0.01% | -8 bps | |
| Allowance / Loans | 1.46% | 1.57% | 1.59% | 1.65% | 1.67% | +21 bps | |
| Allowance Coverage of NPLs | 2.6x | 1.0x | 1.1x | 1.1x | 1.1x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.98% | 9.98% | 9.87% | 9.74% | 9.70% | -128 bps | |
| Total Risk-Based Capital | 15.16% | 15.21% | 14.78% | 14.95% | 15.34% | +18 bps | |
| Equity / Assets | 10.70% | 9.85% | 9.99% | 9.94% | 9.55% | -116 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.95% | 67.00% | 67.00% | 65.91% | 61.80% | -1,114 bps | |
| Liquid Assets / Assets | 11.78% | 16.45% | 13.80% | 12.61% | 17.64% | +586 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |