Kingwood, TX · Cert 58764 · Mint Holdings Inc. the
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
60
Profitability
65
Liquidity
0
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kingwood, TX · Cert 58764 · Mint Holdings Inc. the
National charter · OCC · 1 branch
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #57 of 107 inst. · $0.3B of $360.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.29% | 1.24% | 1.36% | 1.34% | 1.49% | 1.32% | 1.44% | +8 bps | |
| Return on Equity | 8.96% | 9.04% | 8.48% | 8.98% | 8.64% | 9.42% | 7.54% | 8.12% | -86 bps | |
| Net Interest Margin | 4.25% | 4.29% | 4.38% | 4.78% | 4.84% | 4.80% | 4.76% | 4.81% | +3 bps | |
| Efficiency Ratio | 54.86% | 54.58% | 58.47% | 58.88% | 62.40% | 59.90% | 63.34% | 62.89% | +401 bps | |
| Non-Interest Burden | 1.91% | 1.94% | 2.37% | 2.57% | 2.80% | 2.64% | 2.86% | 2.83% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | 8.85% | -1.02% | -4.82% | -3.99% | -9.87% | -8.23% | -4.34% | +48 bps | |
| Loan Growth (YoY) | 2.46% | 5.33% | 1.26% | -2.66% | -1.21% | -7.17% | -6.79% | -2.91% | -24 bps | |
| Deposit Growth (YoY) | -1.92% | 8.97% | -2.54% | -7.38% | -6.21% | -13.37% | -10.85% | -6.27% | +110 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.81% | 4.27% | 1.95% | 2.00% | 1.89% | 3.58% | 3.34% | 2.78% | +79 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.26% | 1.76% | 0.91% | 0.61% | 0.47% | 0.00% | -0.01% | -92 bps | |
| Allowance / Loans | 2.51% | 2.45% | 2.24% | 2.42% | 2.41% | 2.43% | 2.58% | 2.57% | +14 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.6x | 1.2x | 1.2x | 1.3x | 0.7x | 0.8x | 0.9x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.74% | 14.93% | 14.70% | 16.16% | 16.68% | 17.08% | 17.65% | 18.35% | +219 bps | |
| Total Risk-Based Capital | 14.74% | 14.93% | 14.70% | 16.16% | 16.68% | 17.08% | 17.65% | 18.35% | +219 bps | |
| Equity / Assets | 14.72% | 14.22% | 15.12% | 16.19% | 16.52% | 17.12% | 17.83% | 18.29% | +210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.64% | 94.84% | 96.69% | 99.89% | 100.75% | 101.62% | 101.11% | 103.48% | +359 bps | |
| Liquid Assets / Assets | 11.56% | 18.71% | 11.30% | 12.53% | 12.10% | 10.31% | 13.87% | 12.56% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 394% | 393% | 377% | n/a | n/a | |
Kingwood, TX · Cert 58764 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Mint Holdings Inc. the
National charter · OCC · 1 branch
Q2 2026
Return on Assets
1.46%
Rank 6 of 21
Net Interest Margin
4.81%
Rank 3 of 21
Efficiency Ratio
62.89%
Rank 8 of 21
Equity / Assets
18.29%
Rank 3 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.77% | 1.16% | 1.46% | Beats 71% | 6 / 21 | ||
| Return on Equity | 7.99% | 6.66% | 8.42% | 15.66% | Beats 38% | 13 / 21 | ||
| Net Interest Margin | 4.81% | 3.50% | 3.97% | 4.41% | Beats 86% | 3 / 21 | ||
| Efficiency Ratio | 62.89% | 59.33% | 68.18% | 79.00% | Beats 67% | 8 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.01% | 0.37% | 1.25% | Beats 19% | 18 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.35% | 12.65% | 15.76% | 18.38% | Beats 67% | 7 / 21 | ||
| Total Risk-Based Capital Ratio | 18.35% | 12.65% | 16.68% | 19.63% | Beats 67% | 7 / 21 | ||
| Equity / Assets | 18.29% | 9.08% | 11.30% | 15.80% | Beats 86% | 3 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 103.48% | 64.96% | 78.30% | 90.30% | 90th pctl | 2 / 21 | ||
| Loans / Assets | 81.53% | 55.83% | 65.86% | 74.20% | 86th pctl | 3 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||