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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.74% | 0.71% | 0.62% | 0.51% | 0.34% | 0.25% | 0.46% | -16 bps | |
| Return on Equity | 5.43% | 7.13% | 6.77% | 5.57% | 4.37% | 2.91% | 2.19% | 4.09% | -148 bps | |
| Net Interest Margin | 3.44% | 3.26% | 3.11% | 3.08% | 3.21% | 3.09% | 2.90% | 2.86% | -22 bps | |
| Efficiency Ratio | 77.68% | 78.41% | 76.25% | 80.06% | 89.50% | 84.60% | 91.62% | 84.99% | +493 bps | |
| Non-Interest Burden | 2.59% | 2.50% | 2.32% | 2.42% | 2.85% | 2.58% | 2.64% | 2.41% | -1 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 | 0.17% | -0.01% | -0.01% | 0.03% | 0.86% | 0.07% | 0.00% | 0.00% | -3 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 | |