Lampasas, TX · Cert 3293 · First Texas Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (13 in holding)
Q2 2026
Market Position · Killeen-Temple, TX · 2026 SOD (annual) · 3.3% share · #9 of 23 inst. · $0.2B of $7.0B
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 | 1.33% | 1.35% | 1.49% | 1.60% | 1.75% | 1.78% | 1.88% | 1.90% | +30 bps | |
| Return on Equity | 13.44% | 13.73% | 15.48% | 16.63% | 18.11% | 18.19% | 18.52% | 18.99% | +236 bps | |
| Net Interest Margin | 2.99% | 2.95% | 3.15% | 3.25% | 3.20% | 3.37% | 3.54% | 3.53% | +29 bps | |
| Efficiency Ratio | 53.67% | 52.51% | 49.30% | 46.84% | 43.96% | 43.16% | 43.36% | 42.26% | -458 bps | |
| Non-Interest Burden | 1.40% | 1.34% | 1.35% | 1.28% | 1.17% | 1.21% | 1.30% | 1.26% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 10.98% | 8.61% | 13.69% | 11.94% | 3.34% | 10.12% | 8.60% | -509 bps | |
| Loan Growth (YoY) | 6.22% | -1.11% | -4.38% | -0.35% | -2.55% | 5.14% | 1.16% | 6.34% | +670 bps | |
| Deposit Growth (YoY) | 5.35% | 11.48% | 8.72% | 14.33% | 12.23% | 2.47% | 10.05% | 8.40% | -593 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.06% | -0.09% | -0.09% | -0.09% | -0.09% | -0.09% | -0.09% | 0 bps | |
| Allowance / Loans | 0.46% | 0.50% | 0.49% | 0.48% | 0.49% | 0.54% | 0.51% | 0.45% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.95% | 9.98% | 9.67% | 9.85% | 9.47% | 10.05% | 10.16% | 10.14% | +29 bps | |
| Total Risk-Based Capital | 21.51% | 21.91% | 22.29% | 22.15% | 24.45% | 23.60% | 24.07% | 23.63% | +149 bps | |
| Equity / Assets | 9.96% | 9.43% | 9.88% | 9.58% | 9.81% | 10.25% | 10.01% | 9.80% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.82% | 41.04% | 42.62% | 40.81% | 40.66% | 42.11% | 39.18% | 40.04% | -77 bps | |
| Liquid Assets / Assets | 47.98% | 55.08% | 53.12% | 55.04% | 55.13% | 54.10% | 57.05% | 56.20% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 168.12% | 172.72% | 169.50% | n/a | n/a | |