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 (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 | 1.20% | 1.17% | 1.14% | 1.19% | 1.31% | 1.54% | 1.19% | 1.30% | +11 bps | |
| Return on Equity | 15.10% | 14.38% | 13.30% | 14.03% | 15.22% | 17.97% | 14.10% | 15.14% | +112 bps | |
| Net Interest Margin | 3.50% | 3.62% | 3.73% | 3.75% | 3.72% | 3.66% | 3.89% | 3.97% | +22 bps | |
| Efficiency Ratio | 87.66% | 88.75% | 91.57% | 91.73% | 91.85% | 91.19% | 93.25% | 92.37% | +64 bps | |
| Non-Interest Burden | 1.79% | 1.90% | 1.99% | 1.93% | 1.79% | 1.48% | 2.05% | 2.02% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.16% | 4.62% | 4.78% | 0.72% | -2.74% | 15.82% | 17.56% | 6.41% | +569 bps | |
| Loan Growth (YoY) | 15.55% | 7.98% | 8.89% | 4.85% | -0.84% | 18.53% | 19.70% | 6.57% | +172 bps | |
| Deposit Growth (YoY) | 2.16% | 3.70% | 6.04% | 5.88% | 3.56% | 2.35% | 13.05% | 13.96% | +808 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.24% | 0.23% | 0.11% | 0.45% | 0.53% | 1.51% | 1.36% | +125 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.13% | 0.11% | 0.01% | 0.12% | 0.13% | -0.05% | -0.02% | -3 bps | |
| Allowance / Loans | 1.09% | 1.14% | 1.14% | 1.18% | 1.18% | 1.06% | 1.08% | 1.22% | +4 bps | |
| Allowance Coverage of NPLs | 7.6x | 4.7x | 5.0x | 10.5x | 2.6x | 2.0x | 0.7x | 0.9x | -9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.26% | 8.79% | 8.84% | 8.97% | 8.97% | 9.08% | 9.02% | 9.06% | +9 bps | |
| Total Risk-Based Capital | 11.59% | 12.38% | 12.05% | 12.25% | 11.81% | 11.59% | 11.56% | 9.06% | -319 bps | |
| Equity / Assets | 8.02% | 8.73% | 8.37% | 8.41% | 8.83% | 8.43% | 8.41% | 9.03% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 114.32% | 105.96% | 110.53% | 111.59% | 109.46% | 122.71% | 117.03% | 104.36% | -723 bps | |
| Liquid Assets / Assets | 0.97% | 0.49% | 0.90% | 0.01% | 0.18% | 0.16% | 0.00% | 0.49% | +49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 332% | 315% | 315% | n/a | n/a | |