Quitaque, TX · Cert 3401 · Quitaque National Corp.
National charter · OCC · 3 branches
Q2 2026
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 | 1.47% | 1.57% | 1.11% | 1.40% | 1.43% | 1.53% | 1.36% | 1.38% | -2 bps | |
| Return on Equity | 14.97% | 15.80% | 10.62% | 13.39% | 13.56% | 14.43% | 12.98% | 13.07% | -32 bps | |
| Net Interest Margin | 4.22% | 4.14% | 3.91% | 3.89% | 3.85% | 3.75% | 3.30% | 3.29% | -60 bps | |
| Efficiency Ratio | 43.19% | 44.19% | 45.18% | 45.90% | 49.31% | 48.29% | 52.08% | 49.47% | +357 bps | |
| Non-Interest Burden | 1.65% | 1.66% | 1.59% | 1.62% | 1.75% | 1.64% | 1.58% | 1.49% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 3.97% | 1.80% | 9.00% | 10.13% | 10.18% | 15.82% | 11.37% | +237 bps | |
| Loan Growth (YoY) | 18.33% | 19.49% | 22.66% | 0.51% | -3.54% | -1.25% | -15.04% | -3.47% | -398 bps | |
| Deposit Growth (YoY) | 3.77% | 2.77% | 0.72% | 8.60% | 9.80% | 10.02% | 16.31% | 11.31% | +271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.55% | 2.34% | 1.88% | 2.10% | 1.65% | 1.56% | 2.26% | 1.71% | -39 bps | |
| Net Charge-Offs / Loans | 1.57% | 1.19% | 2.23% | 1.25% | 0.89% | 0.58% | 0.08% | 0.72% | -53 bps | |
| Allowance / Loans | 1.41% | 1.44% | 1.48% | 1.59% | 1.46% | 1.53% | 1.82% | 1.53% | -6 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.8x | 0.8x | 0.9x | 1.0x | 0.8x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 10.47% | 10.43% | 10.74% | 10.80% | 10.78% | 10.55% | 10.59% | -15 bps | |
| Total Risk-Based Capital | 10.34% | 10.47% | 10.43% | 10.74% | 10.80% | 10.78% | 10.55% | 10.59% | -15 bps | |
| Equity / Assets | 10.44% | 10.41% | 10.49% | 10.54% | 10.81% | 10.73% | 10.29% | 10.64% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.49% | 50.17% | 47.92% | 43.89% | 46.12% | 45.03% | 35.01% | 38.06% | -583 bps | |
| Liquid Assets / Assets | 34.39% | 34.52% | 36.11% | 39.93% | 39.27% | 37.24% | 49.22% | 44.28% | +435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.90% | 2.16% | 3.28% | n/a | n/a | |