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 (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 | 1.87% | 1.98% | 2.37% | 2.44% | 1.89% | 2.02% | 1.86% | 1.71% | -72 bps | |
| Return on Equity | 16.76% | 17.97% | 22.58% | 22.75% | 17.12% | 18.60% | 17.95% | 16.10% | -665 bps | |
| Net Interest Margin | 6.05% | 6.23% | 6.25% | 6.13% | 6.18% | 6.07% | 5.87% | 5.80% | -33 bps | |
| Efficiency Ratio | 55.47% | 54.97% | 59.30% | 56.28% | 54.92% | 54.58% | 59.57% | 63.98% | +769 bps | |
| Non-Interest Burden | 3.01% | 3.08% | 3.42% | 3.13% | 3.06% | 2.99% | 3.20% | 3.62% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.13% | -4.90% | -1.99% | 3.52% | 4.14% | 4.30% | 1.05% | -0.51% | -403 bps | |
| Loan Growth (YoY) | 8.11% | 2.53% | 3.99% | -0.50% | -4.04% | -3.31% | -10.31% | -7.38% | -687 bps | |
| Deposit Growth (YoY) | -5.61% | -5.27% | -1.78% | 4.09% | 4.81% | 4.59% | 0.93% | -0.54% | -463 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.40% | 1.72% | 1.79% | 2.29% | 2.14% | 1.29% | 2.13% | 2.23% | -6 bps | |
| Net Charge-Offs / Loans | 0.92% | 0.64% | -0.14% | -0.09% | 1.01% | 0.76% | 0.23% | 0.03% | +12 bps | |
| Allowance / Loans | 0.97% | 1.19% | 1.13% | 1.18% | 1.22% | 1.27% | 1.39% | 1.34% | +16 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.7x | 0.6x | 0.5x | 0.6x | 1.0x | 0.7x | 0.6x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.25% | 10.60% | 11.19% | 11.76% | 12.11% | 10.12% | 10.73% | 11.04% | -73 bps | |
| Total Risk-Based Capital | 17.42% | 15.48% | 16.32% | 17.58% | 18.34% | 16.39% | 17.84% | 18.33% | +75 bps | |
| Equity / Assets | 12.44% | 10.41% | 10.54% | 11.17% | 11.94% | 10.16% | 10.61% | 11.17% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.45% | 83.44% | 81.86% | 79.05% | 80.07% | 77.14% | 72.75% | 73.61% | -544 bps | |
| Liquid Assets / Assets | 6.13% | 7.56% | 10.98% | 13.19% | 11.50% | 12.98% | 17.02% | 17.06% | +387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 151.10% | 174.57% | 154.64% | n/a | n/a | |