Houston, TX · Cert 58324
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #73 of 107 inst. · $0.2B of $360.4B
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 | 0.56% | 0.66% | 0.71% | 0.87% | 1.03% | 1.12% | 1.28% | 1.18% | +32 bps | |
| Return on Equity | 4.24% | 4.96% | 5.24% | 6.53% | 7.80% | 8.65% | 10.37% | 9.56% | +303 bps | |
| Net Interest Margin | 3.46% | 3.46% | 3.87% | 4.14% | 4.01% | 4.01% | 4.40% | 4.21% | +7 bps | |
| Efficiency Ratio | 76.88% | 74.74% | 74.30% | 69.41% | 66.24% | 64.79% | 59.99% | 61.18% | -822 bps | |
| Non-Interest Burden | 2.63% | 2.56% | 2.85% | 2.85% | 2.63% | 2.58% | 2.59% | 2.54% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 5.53% | 0.88% | 7.30% | 8.91% | 14.27% | 19.45% | 16.71% | +940 bps | |
| Loan Growth (YoY) | 5.45% | 7.45% | 3.12% | 7.38% | 12.95% | 14.01% | 16.31% | 15.14% | +775 bps | |
| Deposit Growth (YoY) | 3.52% | 5.42% | 0.08% | 8.07% | 9.72% | 15.71% | 21.49% | 17.19% | +911 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% | 0.29% | +20 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.19% | 1.18% | 1.17% | 1.18% | 1.18% | 1.15% | 1.16% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 13.0x | n/a | n/a | n/a | 4.0x | -9.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.42% | 13.41% | 13.52% | 13.47% | 12.76% | 12.78% | 12.88% | 12.65% | -81 bps | |
| Total Risk-Based Capital | 18.33% | 18.02% | 18.24% | 13.47% | 12.76% | 12.78% | 12.88% | 12.65% | -81 bps | |
| Equity / Assets | 13.23% | 13.42% | 13.56% | 12.98% | 12.73% | 12.41% | 12.25% | 12.54% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.01% | 101.21% | 101.82% | 101.87% | 101.92% | 99.72% | 97.48% | 100.09% | -178 bps | |
| Liquid Assets / Assets | 13.23% | 10.95% | 11.41% | 10.80% | 10.69% | 11.71% | 13.94% | 12.03% | +123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 497% | 518% | 524% | n/a | n/a | |