Hughes Springs, TX · Cert 3268 · Chalybeate Springs Corp.
National charter · OCC · 17 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 0.7% share · #21 of 25 inst. · $0.1B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.49% | 0.78% | 2.39% | 1.86% | 1.56% | -93 bps | |
| Return on Equity | 22.97% | 6.77% | 21.61% | 17.95% | 14.33% | -864 bps | |
| Net Interest Margin | 6.13% | 6.19% | 6.06% | 5.87% | 5.83% | -30 bps | |
| Efficiency Ratio | 53.30% | 52.22% | 53.54% | 59.57% | 69.07% | +1,578 bps | |
| Non-Interest Burden | 2.92% | 2.86% | 2.94% | 3.20% | 4.10% | +119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 4.14% | 4.30% | 1.05% | -0.51% | -403 bps | |
| Loan Growth (YoY) | -0.50% | -4.04% | -3.31% | -10.31% | -7.38% | -687 bps | |
| Deposit Growth (YoY) | 4.09% | 4.81% | 4.59% | 0.93% | -0.54% | -463 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.29% | 2.14% | 1.29% | 2.13% | 2.23% | -6 bps | |
| Net Charge-Offs / Loans | -0.04% | 3.22% | 0.00% | 0.23% | -0.17% | -14 bps | |
| Allowance / Loans | 1.18% | 1.22% | 1.27% | 1.39% | 1.34% | +16 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 1.0x | 0.7x | 0.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.76% | 12.11% | 10.12% | 10.73% | 11.04% | -73 bps | |
| Total Risk-Based Capital | 17.58% | 18.34% | 16.39% | 17.84% | 18.33% | +75 bps | |
| Equity / Assets | 11.17% | 11.94% | 10.16% | 10.61% | 11.17% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.05% | 80.07% | 77.14% | 72.75% | 73.61% | -544 bps | |
| Liquid Assets / Assets | 13.19% | 11.50% | 12.98% | 17.02% | 17.06% | +387 bps | |
| CRE / Total Capital | n/a | 151.10% | 174.57% | 154.64% | n/a | n/a | |