San Antonio, TX · Cert 58581
FDIC · 11 branches
Q4 2025
Market Position · San Antonio-New Braunfels, TX · 2025 SOD (annual) · 0.8% share · #10 of 68 inst. · $1.4B of $174.9B
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 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.87% | 0.95% | 0.99% | 1.06% | +45 bps | |
| Return on Equity | 7.43% | 10.68% | 11.28% | 11.83% | 12.45% | +501 bps | |
| Net Interest Margin | 2.59% | 3.03% | 3.16% | 3.17% | 3.23% | +64 bps | |
| Efficiency Ratio | 61.78% | 66.19% | 64.10% | 62.85% | 61.04% | -75 bps | |
| Non-Interest Burden | 1.25% | 1.92% | 1.92% | 1.90% | 1.86% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.56% | 9.02% | 3.66% | 8.84% | -2.31% | -1,487 bps | |
| Loan Growth (YoY) | 8.13% | 4.49% | 2.48% | 2.55% | 0.94% | -718 bps | |
| Deposit Growth (YoY) | 13.69% | 9.67% | 3.98% | 9.75% | -3.65% | -1,734 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.29% | 0.00% | 0.01% | 0.01% | 0.04% | -125 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.05% | +6 bps | |
| Allowance / Loans | 1.14% | 1.15% | 1.16% | 1.15% | 1.13% | -1 bps | |
| Allowance Coverage of NPLs | 0.9x | n/a | 174.6x | 225.8x | 26.2x | +25.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.84% | 8.93% | 9.33% | 9.08% | 9.32% | +48 bps | |
| Total Risk-Based Capital | 11.58% | 12.14% | 12.21% | 12.04% | 12.41% | +83 bps | |
| Equity / Assets | 7.89% | 8.36% | 8.97% | 8.43% | 9.14% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.58% | 84.67% | 88.71% | 83.76% | 88.61% | +403 bps | |
| Liquid Assets / Assets | 11.46% | 11.57% | 8.22% | 13.33% | 9.71% | -176 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 454% | 443% | n/a | |