Dallas, TX · Cert 34885 · SBH Manager LLC
State charter, Fed member · FED · 11 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #34 of 166 inst. · $1.6B of $732.8B
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 | 0.67% | 0.97% | 0.99% | 0.53% | 1.32% | 0.99% | 1.00% | 0.86% | +32 bps | |
| Return on Equity | 6.32% | 9.26% | 9.49% | 5.10% | 12.69% | 9.68% | 9.76% | 8.32% | +322 bps | |
| Net Interest Margin | 3.74% | 3.63% | 3.63% | 3.78% | 3.85% | 3.58% | 3.55% | 3.79% | +1 bps | |
| Efficiency Ratio | 63.01% | 62.37% | 61.05% | 59.29% | 61.28% | 65.38% | 62.19% | 61.09% | +180 bps | |
| Non-Interest Burden | 2.27% | 2.20% | 2.11% | 2.14% | 2.25% | 2.27% | 2.12% | 2.19% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.95% | 9.49% | 19.15% | 13.40% | 11.94% | 14.78% | 13.19% | 13.91% | +51 bps | |
| Loan Growth (YoY) | 18.64% | 20.78% | 19.97% | 13.56% | 9.47% | 8.89% | 9.06% | 12.83% | -73 bps | |
| Deposit Growth (YoY) | 14.08% | 8.85% | 19.89% | 13.85% | 11.97% | 14.88% | 13.02% | 13.92% | +8 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.67% | 1.16% | 0.97% | 0.81% | 0.92% | 0.58% | 0.42% | -56 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.00% | 1.07% | -0.38% | -0.04% | 0.00% | 0.02% | -105 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.28% | 1.28% | 1.32% | 1.29% | 1.29% | 1.35% | +6 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 1.1x | 1.3x | 1.6x | 1.4x | 2.2x | 3.2x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.73% | 9.77% | 9.79% | 9.86% | 9.38% | 9.72% | 10.10% | +31 bps | |
| Total Risk-Based Capital | 12.66% | 12.39% | 12.37% | 12.51% | 12.92% | 12.91% | 13.31% | 12.90% | +39 bps | |
| Equity / Assets | 10.48% | 10.37% | 10.45% | 10.41% | 10.39% | 10.13% | 10.33% | 10.26% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.64% | 84.89% | 85.33% | 84.05% | 81.77% | 80.46% | 82.34% | 83.24% | -81 bps | |
| Liquid Assets / Assets | 16.08% | 15.46% | 15.86% | 17.51% | 20.75% | 22.34% | 20.95% | 20.24% | +273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 351% | 339% | n/a | n/a | |