Sulphur Springs, TX · Cert 5544 · Sulphur Springs Bancshares Inc.
National charter · OCC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
77
Profitability
90
Liquidity
58
Efficiency
66
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sulphur Springs, TX · Cert 5544 · Sulphur Springs Bancshares Inc.
National charter · OCC · 17 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 0.3% share · #22 of 25 inst. · $0.0B of $8.0B
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 | 1.34% | 1.29% | 1.36% | 1.41% | 1.53% | 1.55% | 1.83% | 1.79% | +38 bps | |
| Return on Equity | 15.89% | 15.36% | 15.77% | 16.07% | 17.08% | 16.98% | 18.86% | 18.52% | +245 bps | |
| Net Interest Margin | 3.81% | 3.80% | 3.95% | 4.03% | 4.09% | 4.13% | 4.39% | 4.45% | +42 bps | |
| Efficiency Ratio | 58.61% | 59.17% | 56.12% | 57.62% | 56.07% | 55.62% | 52.61% | 53.95% | -368 bps | |
| Non-Interest Burden | 1.90% | 1.92% | 1.85% | 1.96% | 1.92% | 1.91% | 1.89% | 1.98% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.40% | 6.18% | 2.61% | 4.59% | 3.83% | 3.33% | 5.19% | 3.44% | -115 bps | |
| Loan Growth (YoY) | 7.00% | 3.98% | 3.67% | 2.01% | 2.53% | 4.03% | 4.10% | 6.14% | +413 bps | |
| Deposit Growth (YoY) | -0.41% | 7.43% | 5.72% | 8.74% | 7.80% | 4.18% | 5.33% | 2.74% | -601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.89% | 0.89% | 0.83% | 0.79% | 0.64% | 0.11% | 0.15% | -68 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.19% | 0.07% | 0.10% | 0.07% | 0.15% | -0.18% | -0.09% | -19 bps | |
| Allowance / Loans | 1.56% | 1.52% | 1.54% | 1.56% | 1.57% | 1.48% | 1.51% | 1.48% | -8 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.7x | 1.7x | 1.9x | 2.0x | 2.3x | 14.0x | 9.6x | +7.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.42% | 9.34% | 9.65% | 9.68% | 9.87% | 9.86% | 9.86% | 9.78% | +10 bps | |
| Total Risk-Based Capital | 14.87% | 14.88% | 15.28% | 15.58% | 15.62% | 15.57% | 15.34% | 15.00% | -57 bps | |
| Equity / Assets | 8.76% | 8.28% | 8.94% | 9.07% | 9.48% | 9.82% | 9.57% | 9.65% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.06% | 77.35% | 77.63% | 75.61% | 76.14% | 77.24% | 76.72% | 78.12% | +250 bps | |
| Liquid Assets / Assets | 3.51% | 5.33% | 3.95% | 4.65% | 4.49% | 6.04% | 4.97% | 4.18% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 255% | 260% | 263% | n/a | n/a | |
Sulphur Springs, TX · Cert 5544 · Peer group: banks $1B-$10B in assets (n=322-328) · Sulphur Springs Bancshares Inc.
National charter · OCC · 17 branches
Q2 2026
Return on Assets
1.78%
Rank 40 of 328
Net Interest Margin
4.45%
Rank 29 of 328
Efficiency Ratio
54.29%
Rank 113 of 328
Equity / Assets
9.65%
Rank 204 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.91% | 1.22% | 1.52% | Beats 88% | 40 / 328 | ||
| Return on Equity | 18.46% | 8.43% | 11.45% | 14.43% | Beats 92% | 27 / 328 | ||
| Net Interest Margin | 4.45% | 3.03% | 3.45% | 3.83% | Beats 91% | 29 / 328 | ||
| Efficiency Ratio | 54.29% | 51.61% | 59.56% | 67.53% | Beats 66% | 113 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.24% | 0.51% | 1.03% | Beats 82% | 59 / 322 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 71% | 93 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.75% | 11.75% | 13.15% | 15.47% | Beats 59% | 134 / 328 | ||
| Total Risk-Based Capital Ratio | 15.00% | 12.63% | 14.15% | 16.46% | Beats 62% | 124 / 328 | ||
| Equity / Assets | 9.65% | 9.15% | 10.33% | 12.01% | Beats 38% | 204 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.12% | 76.63% | 87.92% | 95.36% | 27th pctl | 236 / 323 | ||
| Loans / Assets | 69.94% | 65.18% | 74.15% | 79.98% | 36th pctl | 210 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||