Dallas, TX · Cert 57665
FDIC · 34 branches
Q3 2025
Market Position · Dallas-Fort Worth-Arlington, TX · 2025 SOD (annual) · 1.3% share · #10 of 169 inst. · $8.6B of $665.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.93% | 0.99% | 1.02% | 0.89% | -7 bps | |
| Return on Equity | 7.00% | 6.83% | 7.22% | 7.41% | 6.45% | -55 bps | |
| Net Interest Margin | 3.20% | 3.23% | 3.25% | 3.27% | 3.26% | +6 bps | |
| Efficiency Ratio | 55.50% | 56.58% | 56.79% | 56.97% | 58.98% | +348 bps | |
| Non-Interest Burden | 1.63% | 1.68% | 1.68% | 1.70% | 1.76% | +13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.32% | 2.69% | -0.80% | -1.29% | -2.14% | -746 bps | |
| Loan Growth (YoY) | 0.39% | -0.72% | -3.01% | -3.17% | -0.49% | -89 bps | |
| Deposit Growth (YoY) | 8.24% | 4.02% | 0.35% | -2.94% | -2.24% | -1,048 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.57% | 0.77% | 0.70% | 1.17% | +57 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.21% | 0.17% | 0.11% | 0.21% | +3 bps | |
| Allowance / Loans | 1.21% | 1.16% | 1.18% | 1.18% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.1x | 1.5x | 1.7x | 1.0x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.13% | 11.37% | 11.02% | 11.17% | 11.22% | +9 bps | |
| Total Risk-Based Capital | 13.34% | 13.49% | 12.87% | 12.84% | 12.86% | -48 bps | |
| Equity / Assets | 13.60% | 13.81% | 13.66% | 13.84% | 13.86% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.75% | 88.99% | 88.53% | 91.12% | 89.32% | +156 bps | |
| Liquid Assets / Assets | 9.44% | 7.76% | 7.54% | 7.05% | 8.70% | -75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | n/a | n/a |