Lamesa, TX · Cert 3292
National charter · OCC · 1 branch
Q2 2026
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 | 0.94% | 1.02% | 1.54% | 1.59% | 1.56% | 1.57% | 1.69% | 1.76% | +17 bps | |
| Return on Equity | 9.90% | 10.64% | 14.81% | 14.94% | 14.41% | 14.37% | 14.86% | 15.22% | +28 bps | |
| Net Interest Margin | 2.00% | 2.17% | 2.86% | 2.91% | 2.93% | 2.97% | 3.04% | 3.12% | +20 bps | |
| Efficiency Ratio | 42.55% | 42.57% | 32.61% | 32.30% | 33.90% | 35.00% | 30.87% | 29.84% | -247 bps | |
| Non-Interest Burden | 0.81% | 0.89% | 0.91% | 0.91% | 0.99% | 1.02% | 0.90% | 0.89% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 1.30% | 3.78% | 8.68% | 8.10% | 6.14% | 6.36% | 2.16% | -653 bps | |
| Loan Growth (YoY) | 19.66% | 42.59% | 23.21% | -6.60% | -14.00% | -11.61% | -22.09% | -18.45% | -1,185 bps | |
| Deposit Growth (YoY) | 1.68% | -0.63% | 1.78% | 7.19% | 7.27% | 4.62% | 5.55% | 1.17% | -602 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.20% | 1.27% | 1.60% | 1.45% | 1.37% | 1.34% | 1.98% | 1.74% | +30 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.06% | -0.04% | -0.33% | -0.22% | -0.03% | -0.04% | -0.02% | +31 bps | |
| Allowance / Loans | 1.86% | 1.89% | 2.27% | 2.43% | 2.34% | 2.17% | 2.95% | 2.82% | +39 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.4x | 1.7x | 1.7x | 1.6x | 1.5x | 1.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.01% | 11.19% | 11.16% | 11.26% | 11.33% | 11.33% | 11.62% | 11.95% | +69 bps | |
| Total Risk-Based Capital | 22.06% | 24.31% | 25.33% | 29.24% | 36.11% | 35.93% | 42.62% | 43.16% | +1,392 bps | |
| Equity / Assets | 10.77% | 10.05% | 10.78% | 11.03% | 11.39% | 11.30% | 11.47% | 11.87% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.62% | 24.17% | 20.21% | 20.12% | 20.54% | 20.42% | 14.92% | 16.22% | -390 bps | |
| Liquid Assets / Assets | 2.53% | 5.23% | 4.09% | 2.89% | 3.54% | 3.71% | 5.29% | 2.95% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 12.79% | 11.89% | 10.49% | n/a | n/a | |