Alvin, TX · Cert 58450
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
53
Profitability
10
Liquidity
28
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alvin, TX · Cert 58450
National charter · OCC · 2 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #70 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 | 0.67% | 0.68% | 0.71% | 0.67% | 0.61% | 0.54% | 0.25% | 0.36% | -31 bps | |
| Return on Equity | 6.65% | 6.80% | 6.77% | 6.18% | 5.55% | 4.88% | 2.19% | 3.14% | -303 bps | |
| Net Interest Margin | 3.18% | 3.16% | 3.11% | 3.10% | 3.17% | 3.21% | 2.90% | 2.79% | -30 bps | |
| Efficiency Ratio | 76.65% | 77.10% | 76.25% | 78.16% | 82.00% | 82.62% | 91.62% | 88.24% | +1,008 bps | |
| Non-Interest Burden | 2.36% | 2.37% | 2.32% | 2.37% | 2.56% | 2.61% | 2.64% | 2.44% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.71% | 4.51% | 0.89% | -8.57% | -3.10% | -6.40% | 0.05% | 7.21% | +1,578 bps | |
| Loan Growth (YoY) | 3.71% | -7.61% | -12.58% | -11.07% | -11.28% | -10.69% | -3.70% | -9.02% | +204 bps | |
| Deposit Growth (YoY) | 2.86% | 4.14% | -0.21% | -10.25% | -4.00% | -8.09% | -0.47% | 7.73% | +1,799 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.04% | 1.05% | 1.86% | 1.64% | 1.53% | 1.06% | 2.49% | 7.09% | +546 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | -0.01% | 0.01% | 0.29% | 0.25% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.10% | 1.21% | 1.29% | 1.28% | 1.09% | 1.11% | 1.09% | 1.16% | -12 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 0.7x | 0.8x | 0.7x | 1.0x | 0.4x | 0.2x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 10.55% | 11.12% | 11.26% | 11.60% | 11.96% | 11.93% | 11.33% | +6 bps | |
| Total Risk-Based Capital | 19.65% | 20.20% | 18.94% | 24.27% | 25.66% | 21.82% | 23.99% | 25.94% | +168 bps | |
| Equity / Assets | 10.59% | 10.12% | 10.81% | 11.59% | 11.58% | 11.80% | 11.39% | 11.30% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.28% | 53.76% | 52.47% | 56.08% | 52.93% | 52.23% | 50.77% | 47.35% | -872 bps | |
| Liquid Assets / Assets | 16.95% | 15.71% | 16.08% | 16.84% | 15.86% | 15.45% | 15.28% | 14.04% | -280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 229% | 222% | 221% | n/a | n/a | |
Alvin, TX · Cert 58450 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
National charter · OCC · 2 branches
Q2 2026
Return on Assets
0.36%
Rank 19 of 21
Net Interest Margin
2.79%
Rank 19 of 21
Efficiency Ratio
88.24%
Rank 18 of 21
Equity / Assets
11.30%
Rank 11 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.77% | 1.16% | 1.46% | Beats 10% | 19 / 21 | ||
| Return on Equity | 3.14% | 6.66% | 8.42% | 15.66% | Beats 10% | 19 / 21 | ||
| Net Interest Margin | 2.79% | 3.50% | 3.97% | 4.41% | Beats 10% | 19 / 21 | ||
| Efficiency Ratio | 88.24% | 59.33% | 68.18% | 79.00% | Beats 19% | 18 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 7.09% | 0.01% | 0.37% | 1.25% | Beats 5% | 21 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.87% | 12.65% | 15.76% | 18.38% | Beats 86% | 3 / 21 | ||
| Total Risk-Based Capital Ratio | 25.94% | 12.65% | 16.68% | 19.63% | Beats 86% | 3 / 21 | ||
| Equity / Assets | 11.30% | 9.08% | 11.30% | 15.80% | Beats 48% | 11 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.35% | 64.96% | 78.30% | 90.30% | 14th pctl | 18 / 21 | ||
| Loans / Assets | 41.83% | 55.83% | 65.86% | 74.20% | 14th pctl | 18 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||