PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Professional Bank, National Association

Dallas, TX · Cert 57665

FDIC · 34 branches

Q3 2025

$12.7BAssets
$9.7BLoans
$10.8BDeposits
$1.8BEquity
Loan mix
83%RE $6.2B16%C&I $1.2B0%Consumer $0.0BQ4 2023Q3 2025
Deposit mix
79%Interest-bearing $8.6B21%Noninterest $2.2BQ4 2023Q3 2025

Market Position · Dallas-Fort Worth-Arlington, TX · 2025 SOD (annual) · 1.3% share · #10 of 169 inst. · $8.6B of $665.0B

2.5% Dallas
0.5% Harris
1.2% Tarrant
1.7% Collin

Executive Summary

  • Earnings: ROA of 0.89%, down 7 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 1.17% of loans (+57 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 11.22%, up 9 bps from a year ago.
  • Funding: loans stand at 89.32% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

0.89%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+6 bps YoY

Efficiency Ratio (YTD, annualized)

58.98%+348 bps YoY

Tier 1 Leverage Ratio

11.22%+9 bps YoY

NIM

5.83%Q3 ’235.93%Q3 ’245.59%Q3 ’25-9%+2%

Non-interest income vs. expense

1.84%Q3 ’231.99%Q3 ’242.18%Q3 ’25+17%+8%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.97%0.86%0.91%0.96%0.93%0.99%1.02%0.89%-7 bps
Return on Equity7.06%6.23%6.64%7.00%6.83%7.22%7.41%6.45%-55 bps
Net Interest Margin3.44%3.21%3.20%3.20%3.23%3.25%3.27%3.26%+6 bps
Efficiency Ratio50.57%54.17%54.33%55.50%56.58%56.79%56.97%58.98%+348 bps
Non-Interest Burden1.67%1.57%1.60%1.63%1.68%1.68%1.70%1.76%+13 bps
Growth
Asset Growth (YoY)1.94%0.49%1.47%5.32%2.69%-0.80%-1.29%-2.14%-746 bps
Loan Growth (YoY)1.68%0.48%1.14%0.39%-0.72%-3.01%-3.17%-0.49%-89 bps
Deposit Growth (YoY)13.37%17.83%16.41%8.24%4.02%0.35%-2.94%-2.24%-1,048 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.87%0.60%0.60%0.57%0.77%0.70%1.17%+57 bps
Net Charge-Offs / Loans0.25%0.22%0.25%0.17%0.21%0.17%0.11%0.21%+3 bps
Allowance / Loans1.14%1.15%1.15%1.21%1.16%1.18%1.18%1.19%-1 bps
Allowance Coverage of NPLs1.1x1.3x1.9x2.0x2.1x1.5x1.7x1.0x-1.0x
Capital
Tier 1 Leverage Ratio11.43%11.41%11.09%11.13%11.37%11.02%11.17%11.22%+9 bps
Total Risk-Based Capital12.90%12.98%12.81%13.34%13.49%12.87%12.84%12.86%-48 bps
Equity / Assets13.95%13.60%13.44%13.60%13.81%13.66%13.84%13.86%+26 bps
Liquidity & Funding
Loans / Deposits93.24%91.60%91.33%87.75%88.99%88.53%91.12%89.32%+156 bps
Liquid Assets / Assets6.06%6.93%6.13%9.44%7.76%7.54%7.05%8.70%-75 bps
CRE / Total Capitaln/an/an/an/an/an/an/a374%n/an/a