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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.63% | 0.76% | 0.76% | 0.78% | 0.74% | 0.83% | 0.88% | +12 bps | |
| Return on Equity | 4.56% | 5.78% | 6.91% | 6.87% | 7.00% | 6.39% | 7.07% | 7.39% | +53 bps | |
| Net Interest Margin | 2.97% | 3.19% | 3.21% | 3.12% | 3.21% | 3.54% | 3.54% | 3.74% | +62 bps | |
| Efficiency Ratio | 77.86% | 74.49% | 70.91% | 70.58% | 69.77% | 72.27% | 69.61% | 69.31% | -127 bps | |
| Non-Interest Burden | 2.28% | 2.34% | 2.21% | 2.14% | 2.18% | 2.51% | 2.42% | 2.54% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.25% | 23.76% | 12.32% | 11.33% | 2.39% | 0.12% | -0.40% | -4.78% | -1,611 bps | |
| Loan Growth (YoY) | 8.01% | -0.06% | 4.08% | 4.08% | 9.97% | 11.38% | 8.38% | 6.53% | +245 bps | |
| Deposit Growth (YoY) | 19.66% | 30.54% | 19.39% | 18.93% | 7.04% | 0.01% | -0.44% | -6.90% | -2,583 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.42% | 0.39% | 0.34% | 0.35% | 0.29% | 0.28% | 0.28% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.97% | 0.99% | 0.95% | 0.95% | 1.00% | 1.02% | 1.00% | 1.01% | +5 bps | |
| Allowance Coverage of NPLs | 2.3x | 2.4x | 2.4x | 2.8x | 2.9x | 3.5x | 3.6x | 3.6x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.18% | 11.23% | 11.04% | 10.89% | 11.29% | 11.86% | 11.90% | 12.31% | +142 bps | |
| Total Risk-Based Capital | 17.14% | 17.29% | 16.63% | 16.47% | 16.61% | 15.96% | 15.56% | 15.43% | -104 bps | |
| Equity / Assets | 10.96% | 10.95% | 11.11% | 11.07% | 11.48% | 11.75% | 11.97% | 12.52% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.94% | 74.45% | 79.61% | 79.74% | 81.10% | 82.91% | 86.66% | 91.25% | +1,150 bps | |
| Liquid Assets / Assets | 27.44% | 25.29% | 22.16% | 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 | n/a | n/a | n/a |