Plano, TX · Cert 32574
State charter, non-member · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
23
Profitability
80
Liquidity
0
Efficiency
100
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Plano, TX · Cert 32574
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #64 of 166 inst. · $0.7B of $732.8B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.31% | 3.99% | 0.56%1 | 0.58% | 0.31% | 0.58% | 2.39% | 4.06% | +348 bps | |
| Return on Equity | 17.30% | 21.56% | 3.19% | 3.15% | 1.53% | 2.65% | 7.47% | 12.77% | +962 bps | |
| Net Interest Margin | 1.53% | 1.44% | 1.66% | 1.63% | 1.81% | 2.00% | 1.80% | 4.28% | +265 bps | |
| Efficiency Ratio | 21.41% | 17.43% | 490% | 114.48% | 147.82% | 80.35% | 28.57% | 20.61% | -9,387 bps | |
| Non-Interest Burden | -2.56% | -3.19% | 2.08% | 1.72% | 2.08% | 1.72% | -1.45% | -0.68% | -240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.25% | 16.02% | 30.77% | 16.49% | -23.04% | -46.40% | -49.97% | -43.29% | -5,978 bps | |
| Loan Growth (YoY) | 188.53% | 25.59% | -53.78% | -53.99% | -79.02% | -57.85% | -5.23% | 18.48% | +7,247 bps | |
| Deposit Growth (YoY) | 9.19% | 103.36% | 58.90% | 4.36% | -49.66% | -73.06% | -75.16% | -63.58% | -6,794 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.02% | 5.23% | 12.57% | 12.53% | 5.63% | 34.06% | 36.60% | 25.76% | +1,323 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | -0.02% | 1.11% | 0.51% | 0.33% | -0.07% | -4.13% | -524 bps | |
| Allowance / Loans | 0.96% | 1.65% | 3.66% | 3.28% | 3.27% | 1.29% | 1.27% | 1.47% | -181 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.6x | 0.0x | 0.0x | 0.1x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.58% | 17.48% | 17.03% | 20.44% | 25.18% | 29.43% | 29.16% | 31.69% | +1,125 bps | |
| Total Risk-Based Capital | 59.93% | 67.95% | 246% | 230% | 253% | 171.98% | 145.31% | 136.07% | -9,406 bps | |
| Equity / Assets | 17.26% | 16.62% | 18.43% | 20.88% | 25.95% | 33.36% | 30.33% | 31.55% | +1,066 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.86% | 22.67% | 10.14% | 15.29% | 19.53% | 35.48% | 38.68% | 49.76% | +3,446 bps | |
| Liquid Assets / Assets | 10.14% | 3.37% | 1.41% | 5.69% | 3.71% | 42.80% | 36.47% | 33.83% | +2,813 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 11.58% | 16.42% | 20.75% | n/a | n/a | |
Plano, TX · Cert 32574 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20)
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets
4.23%
Rank 1 of 20
Net Interest Margin
4.28%
Rank 5 of 20
Efficiency Ratio
20.61%
Rank 1 of 20
Equity / Assets
31.55%
Rank 1 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 4.23% | 0.68% | 1.15% | 1.86% | Beats 95% | 1 / 20 | ||
| Return on Equity | 13.42% | 7.45% | 10.95% | 14.25% | Beats 70% | 6 / 20 | ||
| Net Interest Margin | 4.28% | 2.87% | 3.58% | 4.28% | Beats 75% | 5 / 20 | ||
| Efficiency Ratio | 20.61% | 52.33% | 65.48% | 74.79% | Beats 100% | 1 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 25.76% | 0.18% | 0.42% | 1.54% | Beats 5% | 20 / 20 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.14% | Beats 40% | 13 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 135.52% | 13.35% | 15.71% | 17.39% | Beats 95% | 1 / 20 | ||
| Total Risk-Based Capital Ratio | 136.07% | 14.55% | 16.02% | 18.64% | Beats 95% | 1 / 20 | ||
| Equity / Assets | 31.55% | 9.74% | 11.64% | 13.21% | Beats 95% | 1 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.76% | 72.63% | 81.14% | 96.60% | 5th pctl | 19 / 20 | ||
| Loans / Assets | 14.37% | 60.26% | 69.54% | 79.68% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||