Waco, TX · Cert 3325 · 2013 Monte Hulse Family Irrevocable Tr I
National charter · OCC · 7 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 14.5% share · #1 of 28 inst. · $1.3B of $8.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.71% | 1.75% | 1.82% | 2.04% | 2.05% | 2.11% | 2.00% | 2.01% | -3 bps | |
| Return on Equity | 16.18% | 15.75% | 15.65% | 17.42% | 17.60% | 17.96% | 17.29% | 18.13% | +71 bps | |
| Net Interest Margin | 3.54% | 3.86% | 3.75% | 4.00% | 4.01% | 4.06% | 3.93% | 4.07% | +7 bps | |
| Efficiency Ratio | 45.82% | 46.57% | 45.32% | 42.66% | 42.68% | 40.45% | 43.79% | 43.33% | +66 bps | |
| Non-Interest Burden | 1.41% | 1.59% | 1.46% | 1.47% | 1.47% | 1.38% | 1.45% | 1.49% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.46% | -2.43% | -4.55% | -1.32% | 2.04% | 3.25% | 10.08% | 12.85% | +1,417 bps | |
| Loan Growth (YoY) | 0.41% | 1.82% | 5.59% | 4.60% | 7.93% | 9.82% | 9.82% | 13.03% | +844 bps | |
| Deposit Growth (YoY) | 10.14% | 5.83% | 4.09% | 3.89% | 1.37% | 2.86% | 10.77% | 13.48% | +959 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.21% | 0.12% | 0.13% | 0.12% | 0.13% | 0.07% | 0.10% | -3 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.20% | 0.00% | -0.01% | 0.00% | -0.03% | 0.03% | 0.00% | +1 bps | |
| Allowance / Loans | 1.30% | 1.27% | 1.24% | 1.24% | 1.23% | 1.24% | 1.20% | 1.20% | -4 bps | |
| Allowance Coverage of NPLs | 5.4x | 6.2x | 10.3x | 9.6x | 9.9x | 9.8x | 17.2x | 12.3x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.79% | 11.46% | 11.97% | 11.61% | 11.69% | 11.24% | 11.38% | 10.83% | -78 bps | |
| Total Risk-Based Capital | 17.11% | 17.33% | 17.31% | 17.17% | 17.23% | 16.53% | 16.27% | 15.80% | -137 bps | |
| Equity / Assets | 10.82% | 11.38% | 11.83% | 11.56% | 11.69% | 11.80% | 11.38% | 10.77% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.11% | 87.54% | 91.10% | 89.22% | 88.49% | 93.46% | 90.32% | 88.86% | -35 bps | |
| Liquid Assets / Assets | 16.17% | 12.93% | 10.04% | 11.89% | 13.13% | 8.91% | 11.30% | 13.05% | +115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 302% | 319% | 317% | n/a | n/a | |