PackageTrendsPeer
Letter portraitLegal landscape

Texas Enterprise Bank

Bryan, TX · Cert 58249

FDIC · 5 branches

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Texas Enterprise Bank

Bryan, TX · Cert 58249

FDIC · 5 branches

Q4 2019

$631.3MAssets
$455.6MLoans
$552.3MDeposits
$76.5MEquity
Loan mix
94%RE $350.7M5%C&I $19.4M1%Consumer $3.8MQ4 2018Q4 2019
Deposit mix
56%Interest-bearing $310.6M44%Noninterest $241.8MQ4 2018Q4 2019

NIM

3.81%Q4 ’173.93%Q4 ’184.22%Q4 ’19+0%+3%

Non-interest income vs. expense

1.94%Q4 ’171.96%Q4 ’182.23%Q4 ’19+2%+16%

Market Position · College Station-Bryan, TX · 2019 SOD (annual) · 9.0% share · #4 of 23 inst. · $0.5B of $6.0B

Executive Summary

  • Earnings: ROA of 1.58%, down 16 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.27% of loans (+126 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.68%, up 126 bps from a year ago.
  • Funding: loans stand at 82.48% of deposits as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

1.58%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+10 bps YoY

Efficiency Ratio (YTD, annualized)

53.90%+492 bps YoY

Tier 1 Leverage Ratio

11.68%+126 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets1.74%1.81%1.82%1.83%1.58%-16 bps
Return on Equity16.91%16.97%16.66%16.41%13.95%-296 bps
Net Interest Margin3.59%3.75%3.85%3.78%3.69%+10 bps
Efficiency Ratio48.97%47.08%46.80%46.45%53.90%+492 bps
Non-Interest Burden1.54%1.54%1.57%1.52%1.78%+24 bps
Growth
Asset Growth (YoY)12.50%7.77%9.97%4.46%2.85%-965 bps
Loan Growth (YoY)11.77%12.04%10.21%8.47%6.33%-544 bps
Deposit Growth (YoY)13.01%6.80%6.03%2.48%0.62%-1,240 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.01%0.03%1.27%+126 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%+1 bps
Allowance / Loans1.35%1.34%1.33%1.35%1.32%-3 bps
Allowance Coverage of NPLs826.7x121.8x126.1x42.1x1.0x-825.7x
Capital
Tier 1 Leverage Ratio10.42%10.71%11.39%11.67%11.68%+126 bps
Total Risk-Based Capital16.46%17.06%17.32%18.13%17.95%+149 bps
Equity / Assets10.35%10.95%11.38%11.87%12.12%+177 bps
Liquidity & Funding
Loans / Deposits78.05%79.96%82.79%79.80%82.48%+443 bps
Liquid Assets / Assets10.70%9.49%10.08%7.55%6.90%-380 bps
CRE / Total Capitaln/an/an/an/an/an/an/a