Dallas, TX · Cert 57703 · Tectonic Financial Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #54 of 166 inst. · $0.8B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.24% | 1.46% | 1.31% | 1.39% | 1.53% | 1.37% | 1.22% | -9 bps | |
| Return on Equity | 9.88% | 8.65% | 11.22% | 10.47% | 11.39% | 12.39% | 10.98% | 9.90% | -56 bps | |
| Net Interest Margin | 4.07% | 4.08% | 4.25% | 4.28% | 4.10% | 4.31% | 4.36% | 4.41% | +12 bps | |
| Efficiency Ratio | 68.23% | 68.29% | 69.54% | 67.77% | 65.35% | 65.39% | 67.82% | 68.80% | +103 bps | |
| Non-Interest Burden | 1.73% | 1.79% | 1.95% | 1.97% | 1.75% | 1.89% | 1.94% | 2.11% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.15% | 27.57% | 17.18% | 28.49% | 25.46% | 14.88% | 16.19% | 11.63% | -1,686 bps | |
| Loan Growth (YoY) | 33.23% | 35.76% | 35.87% | 30.28% | 23.66% | 16.67% | 15.33% | 13.64% | -1,664 bps | |
| Deposit Growth (YoY) | 36.05% | 34.82% | 20.70% | 37.29% | 32.69% | 17.20% | 19.44% | 11.54% | -2,575 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.20% | 2.22% | 2.67% | 3.81% | 4.08% | 3.90% | 3.69% | 2.89% | -92 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.24% | 0.55% | 0.34% | 0.25% | 0.23% | 0.50% | 0.32% | -1 bps | |
| Allowance / Loans | 1.33% | 1.28% | 1.20% | 1.32% | 1.53% | 1.46% | 1.43% | 1.54% | +22 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.4x | 0.3x | 0.4x | 0.4x | 0.4x | 0.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 11.46% | 10.79% | 10.39% | 9.88% | 10.51% | 10.93% | 10.67% | +27 bps | |
| Total Risk-Based Capital | 19.18% | 17.88% | 17.49% | 16.95% | 17.51% | 18.16% | 17.84% | 17.54% | +59 bps | |
| Equity / Assets | 13.74% | 13.32% | 12.68% | 11.77% | 11.44% | 12.78% | 12.28% | 11.93% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.37% | 99.98% | 100.96% | 94.81% | 88.88% | 99.53% | 97.49% | 96.60% | +179 bps | |
| Liquid Assets / Assets | 14.02% | 9.22% | 9.15% | 11.89% | 16.96% | 9.03% | 10.04% | 10.45% | -144 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 456% | 450% | 446% | n/a | n/a | |