Hereford, TX · Cert 34918 · La Plata Bancshares Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Amarillo, TX · 2026 SOD (annual) · 0.2% share · #16 of 21 inst. · $0.0B of $11.7B
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 | 1.60% | 1.71% | 1.63% | 1.67% | 1.79% | +19 bps | |
| Return on Equity | 14.63% | 15.47% | 15.16% | 15.72% | 15.66% | +103 bps | |
| Net Interest Margin | 4.68% | 4.64% | 4.43% | 4.60% | 4.61% | -7 bps | |
| Efficiency Ratio | 54.14% | 55.13% | 52.76% | 53.69% | 53.24% | -89 bps | |
| Non-Interest Burden | 2.29% | 2.34% | 2.10% | 2.22% | 2.22% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.83% | 11.46% | 16.90% | 14.61% | 6.01% | -582 bps | |
| Loan Growth (YoY) | 10.49% | 15.18% | 20.93% | 10.45% | 13.45% | +296 bps | |
| Deposit Growth (YoY) | 13.05% | 11.47% | 17.33% | 14.70% | 2.94% | -1,012 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.01% | 0.00% | 0.05% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.18% | 1.27% | 1.24% | +3 bps | |
| Allowance Coverage of NPLs | 31.5x | 32.6x | 79.8x | n/a | 25.5x | -6.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.15% | 11.94% | 11.30% | 11.96% | 12.32% | +17 bps | |
| Total Risk-Based Capital | 14.33% | 14.35% | 13.45% | 11.96% | 12.32% | -201 bps | |
| Equity / Assets | 10.93% | 11.22% | 10.30% | 10.94% | 11.95% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.66% | 93.89% | 89.55% | 89.37% | 101.02% | +936 bps | |
| Liquid Assets / Assets | 5.07% | 4.51% | 1.47% | 8.75% | 1.27% | -380 bps | |
| CRE / Total Capital | n/a | 115.93% | 111.22% | 106.09% | n/a | n/a | |