Dallas, TX · Cert 57922 · Harmony Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #65 of 166 inst. · $0.6B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.93% | 1.00% | 1.25% | 1.16% | +29 bps | |
| Return on Equity | 5.86% | 6.27% | 6.62% | 7.56% | 7.04% | +117 bps | |
| Net Interest Margin | 4.46% | 4.54% | 4.61% | 4.83% | 4.56% | +10 bps | |
| Efficiency Ratio | 60.93% | 61.67% | 61.00% | 59.52% | 59.80% | -113 bps | |
| Non-Interest Burden | 2.67% | 2.76% | 2.76% | 2.82% | 2.68% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.25% | -0.21% | 6.80% | -0.75% | 3.70% | +345 bps | |
| Loan Growth (YoY) | 10.18% | 7.39% | 1.78% | -1.28% | 5.66% | -452 bps | |
| Deposit Growth (YoY) | 2.17% | 1.58% | 5.11% | 0.06% | 6.28% | +410 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.08% | 0.11% | 0.01% | 0.02% | -49 bps | |
| Net Charge-Offs / Loans | 0.35% | 0.30% | 0.27% | 0.05% | 0.50% | +15 bps | |
| Allowance / Loans | 1.22% | 1.24% | 1.22% | 1.24% | 1.08% | -14 bps | |
| Allowance Coverage of NPLs | 2.4x | 15.7x | 10.7x | 114.0x | 69.3x | +66.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.06% | 10.39% | 12.06% | 12.42% | 11.90% | +184 bps | |
| Total Risk-Based Capital | 13.56% | 13.86% | 16.22% | 16.38% | 15.98% | +242 bps | |
| Equity / Assets | 14.63% | 15.10% | 16.18% | 16.83% | 16.27% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.46% | 87.20% | 85.70% | 90.52% | 88.94% | -52 bps | |
| Liquid Assets / Assets | 8.20% | 7.71% | 9.56% | 6.27% | 5.31% | -289 bps | |
| CRE / Total Capital | n/a | 536% | 445% | 451% | n/a | n/a | |