Waxahachie, TX · Cert 5574 · First Citizens Bancshares Inc.
National charter · OCC · 12 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #29 of 166 inst. · $1.8B of $732.8B
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 | 1.36% | 1.59% | 1.91% | 2.43% | 2.12% | 2.10% | 2.16% | 2.49% | +6 bps | |
| Return on Equity | 11.79% | 13.77% | 16.36% | 20.63% | 17.96% | 17.65% | 17.70% | 20.55% | -8 bps | |
| Net Interest Margin | 3.97% | 4.08% | 4.58% | 4.78% | 4.69% | 4.76% | 5.00% | 5.07% | +29 bps | |
| Efficiency Ratio | 56.19% | 54.56% | 52.01% | 49.23% | 47.49% | 46.87% | 48.77% | 45.89% | -333 bps | |
| Non-Interest Burden | 1.94% | 1.90% | 2.09% | 2.02% | 1.85% | 1.85% | 2.17% | 2.02% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.30% | 15.00% | 6.98% | 3.44% | 4.77% | 8.56% | 9.94% | 10.94% | +751 bps | |
| Loan Growth (YoY) | 15.36% | 14.19% | 12.84% | 13.01% | 9.94% | 12.96% | 15.15% | 13.50% | +49 bps | |
| Deposit Growth (YoY) | 11.39% | 15.35% | 6.28% | 2.46% | 4.20% | 6.71% | 8.38% | 9.87% | +741 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.31% | 0.17% | 0.99% | 1.04% | 0.87% | 0.65% | 1.42% | +43 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.04% | +5 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.08% | 0.97% | 1.11% | 1.11% | 1.09% | 1.08% | +10 bps | |
| Allowance Coverage of NPLs | 4.2x | 3.3x | 6.5x | 1.0x | 1.1x | 1.3x | 1.7x | 0.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.04% | 11.33% | 11.64% | 12.18% | 11.76% | 12.33% | 12.18% | 12.20% | +1 bps | |
| Total Risk-Based Capital | 14.48% | 14.65% | 14.69% | 14.76% | 14.89% | 15.10% | 14.62% | 14.75% | -1 bps | |
| Equity / Assets | 11.11% | 11.49% | 11.82% | 12.03% | 11.83% | 12.18% | 12.18% | 12.01% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.45% | 96.54% | 99.50% | 99.08% | 97.54% | 102.19% | 105.72% | 102.35% | +327 bps | |
| Liquid Assets / Assets | 13.24% | 10.33% | 7.82% | 8.13% | 9.71% | 7.13% | 4.12% | 6.57% | -156 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 470% | 450% | 466% | n/a | n/a | |