Fort Worth, TX · Cert 57543
National charter · OCC · 1 branch
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #78 of 166 inst. · $0.5B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.74% | 1.72% | 1.70% | 1.65% | 1.69% | -5 bps | |
| Return on Equity | 16.18% | 15.80% | 15.26% | 13.89% | 14.06% | -212 bps | |
| Net Interest Margin | 3.76% | 3.73% | 3.69% | 3.77% | 3.92% | +15 bps | |
| Efficiency Ratio | 48.49% | 48.38% | 48.30% | 50.93% | 48.38% | -11 bps | |
| Non-Interest Burden | 1.75% | 1.73% | 1.70% | 1.82% | 1.76% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.85% | 11.96% | 5.96% | 6.52% | 7.96% | -590 bps | |
| Loan Growth (YoY) | 6.89% | 15.06% | 12.24% | 13.24% | 13.47% | +658 bps | |
| Deposit Growth (YoY) | 13.61% | 11.49% | 3.89% | 4.95% | 6.64% | -697 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.10% | 0.00% | 0.00% | 0.00% | -13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | 0.00% | 0.13% | +13 bps | |
| Allowance / Loans | 1.72% | 1.64% | 1.60% | 1.59% | 1.52% | -20 bps | |
| Allowance Coverage of NPLs | 13.2x | 16.4x | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.00% | 11.91% | 12.08% | 12.25% | 12.79% | +80 bps | |
| Total Risk-Based Capital | 18.47% | 17.99% | 18.33% | 18.62% | 18.18% | -28 bps | |
| Equity / Assets | 11.22% | 11.26% | 12.04% | 11.72% | 12.30% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.07% | 69.23% | 71.06% | 70.03% | 74.56% | +449 bps | |
| Liquid Assets / Assets | 10.46% | 12.56% | 9.42% | 11.71% | 7.15% | -330 bps | |
| CRE / Total Capital | n/a | 218% | 225% | 223% | n/a | n/a | |