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 (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 | -5.04% | 5.83% | 0.56%1 | 0.60% | -0.38% | 1.74% | 2.39% | 5.92% | +532 bps | |
| Return on Equity | -26.25% | 34.44% | 3.19% | 3.08% | -1.66% | 5.95% | 7.47% | 19.15% | +1,607 bps | |
| Net Interest Margin | 0.82% | 1.59% | 1.66% | 1.28% | 1.38% | 1.77% | 1.80% | 6.70% | +542 bps | |
| Efficiency Ratio | 21.41% | 10.52% | 490% | 70.25% | 363% | 42.84% | 28.57% | 15.81% | -5,444 bps | |
| Non-Interest Burden | 6.55% | -5.76% | 2.08% | 0.96% | 2.00% | -0.29% | -1.45% | 0.14% | -82 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 | 0.13% | -0.04% | -0.02% | 2.25% | -0.93% | -0.02% | -0.07% | -8.19% | -1,045 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 | |