Dallas, TX · Cert 57901 · One World Holding Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #110 of 166 inst. · $0.2B 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 | 1.82% | 1.73% | 1.08% | 1.19% | 1.25% | 1.16% | -1.62% | -1.30% | -249 bps | |
| Return on Equity | 11.63% | 11.24% | 7.52% | 8.49% | 8.93% | 8.43% | -12.23% | -9.89% | -1,838 bps | |
| Net Interest Margin | 5.14% | 4.86% | 4.81% | 4.46% | 4.54% | 4.46% | 4.09% | 4.33% | -13 bps | |
| Efficiency Ratio | 56.27% | 57.84% | 64.77% | 64.04% | 63.24% | 66.90% | 76.38% | 69.19% | +516 bps | |
| Non-Interest Burden | 2.53% | 2.51% | 2.94% | 2.67% | 2.66% | 2.81% | 3.00% | 2.74% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.08% | 16.97% | 22.85% | 30.03% | 10.30% | 20.49% | 3.50% | 2.18% | -2,785 bps | |
| Loan Growth (YoY) | 29.73% | 40.04% | 28.74% | 24.77% | 21.38% | 11.63% | 7.36% | 8.10% | -1,668 bps | |
| Deposit Growth (YoY) | 32.66% | 19.13% | 26.30% | 35.57% | 12.03% | 17.94% | 5.86% | 4.07% | -3,150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.14% | 0.11% | 0.10% | 0.10% | 1.48% | 0.00% | -11 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.11% | 0.03% | 0.04% | 0.02% | 4.04% | 4.64% | +461 bps | |
| Allowance / Loans | 1.67% | 1.52% | 1.52% | 1.60% | 1.63% | 1.69% | 1.74% | 1.42% | -18 bps | |
| Allowance Coverage of NPLs | n/a | 8.3x | 10.5x | 14.6x | 15.9x | 16.7x | 1.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.12% | 14.50% | 15.28% | 13.53% | 13.86% | 13.59% | 13.59% | 13.24% | -29 bps | |
| Total Risk-Based Capital | 15.12% | 14.50% | 15.28% | 13.53% | 13.86% | 13.59% | 13.59% | 13.24% | -29 bps | |
| Equity / Assets | 14.46% | 14.73% | 13.96% | 13.46% | 13.91% | 12.96% | 13.54% | 13.08% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.91% | 92.58% | 89.36% | 88.03% | 93.08% | 87.62% | 90.63% | 91.44% | +341 bps | |
| Liquid Assets / Assets | 19.98% | 13.18% | 14.36% | 16.48% | 12.04% | 15.45% | 13.87% | 13.50% | -298 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 516% | 501% | 523% | n/a | n/a | |