Dallas, TX · Cert 58739 · Texas Security Bankshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #44 of 166 inst. · $1.2B of $732.8B
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 | 0.62% | 1.20% | 0.87% | 0.82% | 1.10% | 1.62% | 1.03% | 1.16% | +35 bps | |
| Return on Equity | 7.87% | 14.88% | 10.55% | 9.72% | 12.92% | 19.08% | 12.29% | 13.60% | +388 bps | |
| Net Interest Margin | 2.63% | 2.76% | 2.97% | 3.01% | 3.21% | 3.27% | 3.52% | 3.51% | +51 bps | |
| Efficiency Ratio | 73.74% | 58.52% | 65.27% | 62.96% | 57.84% | 52.25% | 57.43% | 57.56% | -540 bps | |
| Non-Interest Burden | 1.88% | 1.53% | 1.86% | 1.81% | 1.74% | 1.59% | 1.92% | 1.88% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.42% | -2.37% | -1.09% | 1.33% | 2.82% | 15.74% | 17.69% | 15.24% | +1,391 bps | |
| Loan Growth (YoY) | 1.32% | -2.57% | -0.24% | 3.79% | 5.89% | 8.87% | 16.96% | 13.05% | +925 bps | |
| Deposit Growth (YoY) | -3.21% | 14.21% | 7.46% | 6.73% | 13.63% | 15.40% | 11.35% | 17.37% | +1,064 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.09% | 0.01% | 0.00% | 0.00% | 0.41% | +31 bps | |
| Net Charge-Offs / Loans | -0.20% | 0.08% | 0.00% | 0.00% | 0.02% | 0.26% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.29% | 1.25% | 1.27% | 1.30% | 1.31% | 1.11% | 1.11% | 1.17% | -13 bps | |
| Allowance Coverage of NPLs | 199.0x | n/a | n/a | 14.2x | 127.9x | n/a | n/a | 2.9x | -11.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.59% | 9.86% | 9.74% | 9.72% | 9.80% | 10.01% | 9.57% | -18 bps | |
| Total Risk-Based Capital | 13.87% | 14.71% | 15.00% | 14.61% | 14.81% | 15.08% | 14.20% | 14.55% | -6 bps | |
| Equity / Assets | 7.98% | 8.14% | 8.40% | 8.38% | 8.60% | 8.39% | 8.41% | 8.69% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.37% | 81.35% | 85.78% | 89.15% | 87.01% | 76.75% | 90.10% | 85.86% | -328 bps | |
| Liquid Assets / Assets | 4.66% | 4.62% | 4.20% | 3.20% | 4.25% | 11.81% | 8.20% | 8.01% | +481 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 449% | 439% | 488% | n/a | n/a | |