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 | |