Harmony Bank
Dallas, TX · Cert 57922 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Harmony Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$855.3MAssets
$629.4MLoans
$707.7MDeposits
$139.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 89% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 3 of 28).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 25 of 28).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 20 of 28
Net Interest Margin
4.56%
Rank 6 of 28
Efficiency Ratio
63.82%
Rank 18 of 28
Equity / Assets
16.27%
Rank 3 of 28
Non-interest income vs. expense
Unfavorable gap of $23.3M · efficiency ratio beats 39% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 1.12% | 1.22% | 1.47% | Beats 29% | 20 / 28 | | |
| Return on Equity | 6.95% | 8.64% | 12.47% | 13.41% | Beats 18% | 23 / 28 | | |
| Net Interest Margin | 4.56% | 3.77% | 4.06% | 4.51% | Beats 79% | 6 / 28 | | |
| Efficiency Ratio | 63.82% | 57.39% | 61.94% | 66.78% | Beats 39% | 18 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | n/a | 0.28% | 1.06% | Beats 68% | 10 / 28 | | |
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.01% | 0.20% | Beats 14% | 25 / 28 | | |
| Capital |
| Tier 1 Capital Ratio | 14.88% | 12.55% | 13.77% | 17.51% | Beats 61% | 11 / 28 | | |
| Total Risk-Based Capital Ratio | 15.98% | 12.59% | 14.62% | 18.18% | Beats 61% | 11 / 28 | | |
| Equity / Assets | 16.27% | 9.58% | 11.17% | 13.58% | Beats 89% | 3 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.94% | 66.90% | 84.79% | 89.14% | 71st pctl | 8 / 28 | | |
| Loans / Assets | 73.59% | 57.58% | 73.59% | 77.32% | 50th pctl | 14 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |