Linden, TX · Cert 3302 · Linden Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 4.9% share · #9 of 19 inst. · $0.2B of $3.1B
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 | 1.25% | 1.51% | 2.23% | 1.19% | 1.40% | +15 bps | |
| Return on Equity | 14.88% | 17.55% | 25.92% | 14.10% | 16.09% | +121 bps | |
| Net Interest Margin | 3.84% | 3.86% | 4.06% | 3.89% | 4.06% | +22 bps | |
| Efficiency Ratio | 91.87% | 92.02% | 89.81% | 93.25% | 91.37% | -50 bps | |
| Non-Interest Burden | 1.90% | 1.61% | 0.84% | 2.05% | 1.99% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.72% | -2.74% | 15.82% | 17.56% | 6.41% | +569 bps | |
| Loan Growth (YoY) | 4.85% | -0.84% | 18.53% | 19.70% | 6.57% | +172 bps | |
| Deposit Growth (YoY) | 5.88% | 3.56% | 2.35% | 13.05% | 13.96% | +808 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.45% | 0.53% | 1.51% | 1.36% | +125 bps | |
| Net Charge-Offs / Loans | -0.08% | 0.34% | 0.21% | -0.05% | 0.02% | +11 bps | |
| Allowance / Loans | 1.18% | 1.18% | 1.06% | 1.08% | 1.22% | +4 bps | |
| Allowance Coverage of NPLs | 10.5x | 2.6x | 2.0x | 0.7x | 0.9x | -9.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.97% | 8.97% | 9.08% | 9.02% | 9.06% | +9 bps | |
| Total Risk-Based Capital | 12.25% | 11.81% | 11.59% | 11.56% | 9.06% | -319 bps | |
| Equity / Assets | 8.41% | 8.83% | 8.43% | 8.41% | 9.03% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.59% | 109.46% | 122.71% | 117.03% | 104.36% | -723 bps | |
| Liquid Assets / Assets | 0.01% | 0.18% | 0.16% | 0.00% | 0.49% | +49 bps | |
| CRE / Total Capital | n/a | 332% | 315% | 315% | n/a | n/a | |