Newton, TX · Cert 3363
FDIC · 34 branches
Q3 2022
Market Position · Houston-The Woodlands-Sugar Land, TX · 2022 SOD (annual) · 0.6% share · #19 of 97 inst. · $2.1B of $374.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 0.09% | 1.03% | 1.13% | 1.55% | +13 bps | |
| Return on Equity | 11.10% | 0.75% | 8.76% | 9.76% | 13.42% | +232 bps | |
| Net Interest Margin | 3.06% | 2.91% | 3.00% | 3.27% | 4.03% | +97 bps | |
| Efficiency Ratio | 64.76% | 93.97% | 61.66% | 59.23% | 53.01% | -1,176 bps | |
| Non-Interest Burden | 1.77% | 2.68% | 1.64% | 1.78% | 1.96% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.33% | 13.59% | 10.37% | 6.29% | 1.49% | -884 bps | |
| Loan Growth (YoY) | -12.05% | -2.02% | -0.42% | 11.08% | 19.84% | +3,190 bps | |
| Deposit Growth (YoY) | 10.95% | 15.66% | 12.74% | 9.75% | 4.87% | -608 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.79% | 0.77% | 0.93% | 0.72% | -7 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.02% | 0.00% | +2 bps | |
| Allowance / Loans | 1.23% | 1.09% | 1.09% | 1.06% | 1.04% | -19 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.4x | 1.4x | 1.1x | 1.5x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.01% | 10.58% | 10.47% | 10.91% | 11.22% | +21 bps | |
| Total Risk-Based Capital | 17.13% | 15.54% | 15.22% | 14.82% | 14.85% | -227 bps | |
| Equity / Assets | 12.74% | 11.92% | 11.53% | 11.62% | 11.54% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.24% | 74.28% | 74.82% | 80.14% | 83.69% | +1,046 bps | |
| Liquid Assets / Assets | 22.52% | 20.56% | 16.26% | 10.22% | 7.71% | -1,482 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |