Weatherford, TX · Cert 5575 · First Baird Bancshares Inc.
National charter · OCC · 16 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #80 of 166 inst. · $0.4B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | 0.81% | 0.70% | 0.69% | 0.45% | 0.45% | 0.49% | 0.42% | -27 bps | |
| Return on Equity | -2.45% | 9.07% | 7.68% | 7.45% | 4.71% | 4.62% | 5.03% | 4.27% | -318 bps | |
| Net Interest Margin | 3.99% | 4.12% | 3.93% | 3.89% | 3.93% | 3.91% | 3.88% | 3.94% | +5 bps | |
| Efficiency Ratio | 80.97% | 76.77% | 81.52% | 83.85% | 85.77% | 85.89% | 89.93% | 86.80% | +295 bps | |
| Non-Interest Burden | 3.10% | 2.99% | 3.08% | 3.13% | 3.26% | 3.26% | 3.41% | 3.32% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 3.51% | -1.77% | 0.07% | -5.45% | -4.44% | -3.54% | -4.03% | -410 bps | |
| Loan Growth (YoY) | -2.64% | -2.96% | -8.61% | -15.08% | -17.25% | -20.76% | -20.44% | -19.52% | -444 bps | |
| Deposit Growth (YoY) | 2.79% | 3.36% | -2.36% | -0.39% | -6.41% | -4.66% | -4.24% | -4.62% | -423 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.67% | 4.95% | 5.21% | 5.83% | 5.84% | 5.49% | 5.50% | 5.51% | -32 bps | |
| Net Charge-Offs / Loans | 0.95% | 0.28% | 0.16% | 0.26% | 0.79% | 0.19% | 0.25% | 0.30% | +4 bps | |
| Allowance / Loans | 1.41% | 1.40% | 1.41% | 1.47% | 1.41% | 1.43% | 1.29% | 1.31% | -17 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.2x | 0.3x | 0.2x | 0.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.79% | 9.80% | 9.84% | 10.03% | 10.00% | 10.02% | 10.20% | 10.44% | +40 bps | |
| Total Risk-Based Capital | 9.79% | 9.80% | 9.84% | 10.03% | 10.00% | 10.02% | 10.20% | 10.44% | +40 bps | |
| Equity / Assets | 8.92% | 8.94% | 9.21% | 9.31% | 9.71% | 9.58% | 9.79% | 9.88% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.08% | 75.93% | 74.54% | 67.93% | 67.27% | 63.10% | 61.93% | 57.32% | -1,061 bps | |
| Liquid Assets / Assets | 8.66% | 6.37% | 7.03% | 15.05% | 15.69% | 20.41% | 18.50% | 24.40% | +934 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 373% | 359% | n/a | n/a | |