Houston, TX · Cert 34656 · Afnb Holdings Inc.
National charter · OCC · 20 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #26 of 107 inst. · $1.2B of $360.4B
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 | 1.44% | 1.29% | 1.79% | 1.85% | 1.88% | 1.60% | 2.40% | 2.13% | +28 bps | |
| Return on Equity | 11.55% | 10.37% | 14.18% | 14.53% | 14.57% | 12.37% | 17.75% | 15.49% | +96 bps | |
| Net Interest Margin | 3.47% | 3.49% | 3.80% | 3.83% | 3.86% | 3.89% | 4.82% | 4.42% | +58 bps | |
| Efficiency Ratio | 46.24% | 52.38% | 41.47% | 39.73% | 39.58% | 47.65% | 35.51% | 38.11% | -162 bps | |
| Non-Interest Burden | 1.56% | 1.78% | 1.52% | 1.47% | 1.48% | 1.81% | 1.66% | 1.63% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 5.84% | 6.58% | 6.67% | 3.58% | 5.31% | 2.05% | 0.77% | -590 bps | |
| Loan Growth (YoY) | 7.41% | 5.88% | 4.02% | 2.59% | 0.67% | -0.15% | -1.55% | -0.01% | -259 bps | |
| Deposit Growth (YoY) | 7.55% | 5.44% | 6.16% | 6.46% | 3.13% | 4.63% | 0.92% | -0.56% | -702 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.18% | 1.33% | 1.65% | 1.43% | 1.42% | 0.31% | 0.42% | -122 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.08% | -0.04% | 0.00% | 0.03% | 0.03% | 0.15% | 0.08% | +8 bps | |
| Allowance / Loans | 1.03% | 1.00% | 1.01% | 1.02% | 1.04% | 1.07% | 1.07% | 1.07% | +4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.6x | 0.7x | 0.8x | 3.4x | 2.5x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.81% | 12.45% | 12.98% | 13.17% | 13.43% | 13.23% | 13.97% | 14.38% | +121 bps | |
| Total Risk-Based Capital | 15.26% | 14.90% | 15.15% | 15.84% | 16.68% | 16.34% | 17.18% | 17.44% | +160 bps | |
| Equity / Assets | 12.54% | 12.54% | 12.73% | 12.95% | 13.33% | 13.21% | 13.88% | 14.24% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.92% | 102.36% | 100.12% | 98.30% | 96.56% | 97.68% | 97.68% | 98.85% | +55 bps | |
| Liquid Assets / Assets | 8.13% | 6.53% | 8.02% | 10.36% | 11.96% | 10.77% | 11.20% | 10.77% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 546% | 558% | 525% | n/a | n/a | |