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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.76% | 0.59% | 0.86% | 0.93% | 1.00% | 1.25% | 1.16% | +29 bps | |
| Return on Equity | 5.20% | 5.08% | 3.98% | 5.86% | 6.27% | 6.62% | 7.56% | 7.04% | +117 bps | |
| Net Interest Margin | 3.59% | 3.76% | 4.47% | 4.46% | 4.54% | 4.61% | 4.83% | 4.56% | +10 bps | |
| Efficiency Ratio | 66.30% | 66.18% | 61.16% | 60.93% | 61.67% | 61.00% | 59.52% | 59.80% | -113 bps | |
| Non-Interest Burden | 2.37% | 2.47% | 2.69% | 2.67% | 2.76% | 2.76% | 2.82% | 2.68% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.13% | 9.40% | 10.58% | 0.25% | -0.21% | 6.80% | -0.75% | 3.70% | +345 bps | |
| Loan Growth (YoY) | 17.09% | 19.91% | 21.81% | 10.18% | 7.39% | 1.78% | -1.28% | 5.66% | -452 bps | |
| Deposit Growth (YoY) | 5.92% | 9.84% | 16.32% | 2.17% | 1.58% | 5.11% | 0.06% | 6.28% | +410 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.49% | 0.48% | 0.50% | 0.08% | 0.11% | 0.01% | 0.02% | -49 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.15% | 0.31% | 0.35% | 0.30% | 0.27% | 0.05% | 0.50% | +15 bps | |
| Allowance / Loans | 1.13% | 1.08% | 1.21% | 1.22% | 1.24% | 1.22% | 1.24% | 1.08% | -14 bps | |
| Allowance Coverage of NPLs | 6.2x | 2.2x | 2.5x | 2.4x | 15.7x | 10.7x | 114.0x | 69.3x | +66.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 10.29% | 10.18% | 10.06% | 10.39% | 12.06% | 12.42% | 11.90% | +184 bps | |
| Total Risk-Based Capital | 14.03% | 13.65% | 13.69% | 13.56% | 13.86% | 16.22% | 16.38% | 15.98% | +242 bps | |
| Equity / Assets | 14.51% | 15.06% | 14.50% | 14.63% | 15.10% | 16.18% | 16.83% | 16.27% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.47% | 88.50% | 91.75% | 89.46% | 87.20% | 85.70% | 90.52% | 88.94% | -52 bps | |
| Liquid Assets / Assets | 11.26% | 5.02% | 6.20% | 8.20% | 7.71% | 9.56% | 6.27% | 5.31% | -289 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 536% | 445% | 451% | n/a | n/a | |