Houston, TX · Cert 57380
FDIC
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.75% | 13.33% | 12.69% | 11.29% | 12.86% | +11 bps | |
| Return on Equity | 15.21% | 15.98% | 15.30% | 13.44% | 15.28% | +6 bps | |
| Net Interest Margin | 2.44% | 2.57% | 3.09% | 2.69% | 2.61% | +17 bps | |
| Efficiency Ratio | 75.32% | 74.23% | 75.27% | 77.16% | 74.93% | -40 bps | |
| Non-Interest Burden | -13.55% | -13.92% | -11.89% | -11.53% | -13.43% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 8.38% | 11.87% | 10.73% | 16.41% | +1,418 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 84.19% | 84.95% | 82.09% | 84.39% | 88.01% | +382 bps | |
| Total Risk-Based Capital | 217% | 263% | 253% | 290% | 227% | +958 bps | |
| Equity / Assets | 84.78% | 82.20% | 81.41% | 86.75% | 84.43% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |