Southlake, TX · Cert 58560
FDIC · 2 branches
Q3 2022
Market Position · Dallas-Fort Worth-Arlington, TX · 2022 SOD (annual) · 0.0% share · #106 of 169 inst. · $0.2B of $861.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.83% | 0.74% | 0.92% | 0.98% | +23 bps | |
| Return on Equity | 6.78% | 7.40% | 6.39% | 7.74% | 8.03% | +124 bps | |
| Net Interest Margin | 3.14% | 3.32% | 3.54% | 3.60% | 4.04% | +90 bps | |
| Efficiency Ratio | 69.90% | 67.44% | 72.27% | 67.02% | 68.78% | -112 bps | |
| Non-Interest Burden | 2.14% | 2.18% | 2.51% | 2.36% | 2.73% | +59 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.33% | 2.39% | 0.12% | -0.40% | -4.78% | -1,611 bps | |
| Loan Growth (YoY) | 4.08% | 9.97% | 11.38% | 8.38% | 6.53% | +245 bps | |
| Deposit Growth (YoY) | 18.93% | 7.04% | 0.01% | -0.44% | -6.90% | -2,583 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.35% | 0.29% | 0.28% | 0.28% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.95% | 1.00% | 1.02% | 1.00% | 1.01% | +5 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.9x | 3.5x | 3.6x | 3.6x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.89% | 11.29% | 11.86% | 11.90% | 12.31% | +142 bps | |
| Total Risk-Based Capital | 16.47% | 16.61% | 15.96% | 15.56% | 15.43% | -104 bps | |
| Equity / Assets | 11.07% | 11.48% | 11.75% | 11.97% | 12.52% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.74% | 81.10% | 82.91% | 86.66% | 91.25% | +1,150 bps | |
| Liquid Assets / Assets | 25.29% | 25.45% | 20.94% | 20.74% | 20.08% | -520 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |