Tom Bean, TX · Cert 5557 · Tom Bean Bank Holding Co.
National charter · OCC · 4 branches
Q2 2026
Market Position · Sherman-Denison, TX · 2026 SOD (annual) · 1.4% share · #10 of 17 inst. · $0.1B of $4.1B
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 | 0.88% | 0.90% | 1.31% | 1.04% | 1.10% | 1.61% | 0.92% | 1.05% | +2 bps | |
| Return on Equity | 7.93% | 8.09% | 11.44% | 9.03% | 9.56% | 13.87% | 7.48% | 8.65% | -39 bps | |
| Net Interest Margin | 4.53% | 4.54% | 5.09% | 5.09% | 5.01% | 5.21% | 5.01% | 5.09% | 0 bps | |
| Efficiency Ratio | 75.95% | 75.79% | 67.78% | 67.76% | 66.75% | 58.35% | 67.81% | 65.00% | -275 bps | |
| Non-Interest Burden | 3.30% | 3.30% | 3.27% | 3.31% | 3.20% | 2.85% | 3.26% | 3.17% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 6.58% | 0.99% | 1.73% | 3.12% | 4.61% | 3.49% | 8.29% | +655 bps | |
| Loan Growth (YoY) | 0.13% | -2.86% | 2.54% | 7.10% | 10.62% | 13.56% | 6.86% | 12.13% | +503 bps | |
| Deposit Growth (YoY) | 6.25% | 6.60% | 0.14% | 0.42% | 2.26% | 3.88% | 2.62% | 8.06% | +764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.52% | 1.44% | 1.12% | 1.33% | 1.15% | 1.23% | -21 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.11% | 0.16% | 0.10% | 0.22% | 0.72% | 0.36% | +20 bps | |
| Allowance / Loans | 1.60% | 1.57% | 1.47% | 1.53% | 1.59% | 1.69% | 1.67% | 1.71% | +18 bps | |
| Allowance Coverage of NPLs | 8.9x | 8.7x | 2.9x | 1.1x | 1.4x | 1.3x | 1.5x | 1.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 11.13% | 11.46% | 11.63% | 11.50% | 12.11% | 12.35% | 12.15% | +52 bps | |
| Total Risk-Based Capital | 17.65% | 18.10% | 17.77% | 18.01% | 17.81% | 18.70% | 12.35% | 12.15% | -586 bps | |
| Equity / Assets | 10.89% | 11.28% | 11.61% | 11.63% | 11.35% | 12.11% | 12.47% | 12.02% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.44% | 84.00% | 90.35% | 91.41% | 89.17% | 91.83% | 94.08% | 94.85% | +344 bps | |
| Liquid Assets / Assets | 11.53% | 11.47% | 11.97% | 12.66% | 12.61% | 11.88% | 10.51% | 9.67% | -299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.08% | 50.67% | 56.63% | n/a | n/a | |