Lamesa, TX · Cert 3292
National charter · OCC · 1 branch
Q2 2026
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 | 1.63% | 1.51% | 1.59% | 1.69% | 1.81% | +18 bps | |
| Return on Equity | 14.96% | 13.48% | 13.97% | 14.86% | 15.53% | +57 bps | |
| Net Interest Margin | 2.97% | 3.09% | 3.18% | 3.04% | 3.17% | +19 bps | |
| Efficiency Ratio | 32.01% | 36.98% | 37.95% | 30.87% | 28.84% | -318 bps | |
| Non-Interest Burden | 0.91% | 1.19% | 1.17% | 0.90% | 0.87% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.68% | 8.10% | 6.14% | 6.36% | 2.16% | -653 bps | |
| Loan Growth (YoY) | -6.60% | -14.00% | -11.61% | -22.09% | -18.45% | -1,185 bps | |
| Deposit Growth (YoY) | 7.19% | 7.27% | 4.62% | 5.55% | 1.17% | -602 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.45% | 1.37% | 1.34% | 1.98% | 1.74% | +30 bps | |
| Net Charge-Offs / Loans | -0.62% | -0.04% | 0.55% | -0.04% | -0.01% | +61 bps | |
| Allowance / Loans | 2.43% | 2.34% | 2.17% | 2.95% | 2.82% | +39 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.7x | 1.6x | 1.5x | 1.6x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.26% | 11.33% | 11.33% | 11.62% | 11.95% | +69 bps | |
| Total Risk-Based Capital | 29.24% | 36.11% | 35.93% | 42.62% | 43.16% | +1,392 bps | |
| Equity / Assets | 11.03% | 11.39% | 11.30% | 11.47% | 11.87% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.12% | 20.54% | 20.42% | 14.92% | 16.22% | -390 bps | |
| Liquid Assets / Assets | 2.89% | 3.54% | 3.71% | 5.29% | 2.95% | +6 bps | |
| CRE / Total Capital | n/a | 12.79% | 11.89% | 10.49% | n/a | n/a | |