Trenton, TX · Cert 5558
FDIC · 5 branches
Q1 2025
Market Position · Dallas-Fort Worth-Arlington, TX · 2024 SOD (annual) · 0.0% share · #124 of 172 inst. · $0.1B of $654.0B
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.47% | 0.71% | 0.22% | 0.30% | 0.39% | 0.43% | 1.04% | +82 bps | |
| Return on Equity | 4.00% | 3.79% | 5.69% | 1.70% | 2.38% | 3.05% | 3.39% | 7.87% | +617 bps | |
| Net Interest Margin | 3.44% | 3.50% | 3.42% | 3.46% | 3.54% | 3.41% | 3.54% | 3.97% | +51 bps | |
| Efficiency Ratio | 81.91% | 82.48% | 75.93% | 89.98% | 87.94% | 85.37% | 84.13% | 67.99% | -2,198 bps | |
| Non-Interest Burden | 2.80% | 2.87% | 2.47% | 3.12% | 3.11% | 2.91% | 2.97% | 2.66% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.32% | 10.66% | 12.94% | -4.89% | 0.39% | 4.50% | 0.74% | 1.99% | +687 bps | |
| Loan Growth (YoY) | 10.43% | 7.85% | 6.70% | 6.90% | 0.80% | 6.54% | 8.06% | 0.51% | -639 bps | |
| Deposit Growth (YoY) | 14.89% | 11.96% | 14.10% | -6.35% | -0.02% | 4.60% | 0.83% | 2.00% | +835 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.08% | 0.03% | 0.03% | 0.00% | 0.05% | 0.05% | 0.06% | +3 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | 0.01% | 0.03% | 0.01% | 0.00% | 0.02% | +1 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.11% | 1.09% | 1.09% | 1.05% | 1.03% | 1.05% | -4 bps | |
| Allowance Coverage of NPLs | 10.1x | 13.4x | 39.2x | 39.8x | n/a | 19.4x | 19.3x | 18.9x | -20.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 11.96% | 12.12% | 12.58% | 12.63% | 11.98% | 12.30% | 12.55% | -3 bps | |
| Total Risk-Based Capital | 14.12% | 14.72% | 14.78% | 14.29% | 14.58% | 13.94% | 13.92% | 14.74% | +45 bps | |
| Equity / Assets | 11.95% | 12.40% | 12.65% | 13.07% | 12.49% | 12.57% | 12.95% | 13.47% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.66% | 98.18% | 97.46% | 103.68% | 95.44% | 100.00% | 104.45% | 102.16% | -152 bps | |
| Liquid Assets / Assets | 11.53% | 8.91% | 10.24% | 5.18% | 11.77% | 7.86% | 4.41% | 7.02% | +184 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |