Moody, TX · Cert 3351 · Reynolds Teague Thurman Finl
National charter · OCC · 2 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 0.4% share · #24 of 28 inst. · $0.0B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 1.03% | 0.31% | 0.20% | 1.33% | +61 bps | |
| Return on Equity | 4.34% | 5.99% | 1.74% | 1.15% | 7.74% | +340 bps | |
| Net Interest Margin | 3.53% | 3.48% | 3.25% | 2.57% | 4.01% | +48 bps | |
| Efficiency Ratio | 78.62% | 69.57% | 90.55% | 92.74% | 66.07% | -1,255 bps | |
| Non-Interest Burden | 2.62% | 2.17% | 2.88% | 2.33% | 2.36% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | -0.93% | -5.10% | -0.52% | -0.03% | -219 bps | |
| Loan Growth (YoY) | 0.16% | -8.11% | -2.46% | -3.00% | -11.36% | -1,152 bps | |
| Deposit Growth (YoY) | 2.37% | -1.52% | -7.58% | -1.18% | -1.06% | -342 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.47% | 5.78% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.09% | 1.24% | -0.04% | -0.07% | -30 bps | |
| Allowance / Loans | 1.46% | 1.57% | 1.23% | 1.22% | 1.33% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.6x | 0.2x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.30% | 18.99% | 18.57% | 17.88% | 18.31% | +1 bps | |
| Total Risk-Based Capital | 18.30% | 18.99% | 18.57% | 17.88% | 18.31% | +1 bps | |
| Equity / Assets | 16.56% | 17.82% | 17.44% | 17.22% | 17.27% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.34% | 42.72% | 41.71% | 43.67% | 39.72% | -461 bps | |
| Liquid Assets / Assets | 20.69% | 20.70% | 21.68% | 23.37% | 27.41% | +672 bps | |
| CRE / Total Capital | n/a | 38.50% | 47.11% | 46.72% | n/a | n/a | |