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 (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 | 1.47% | 1.34% | 1.24% | 1.48% | 1.31% | 1.96% | 1.32% | 1.57% | +9 bps | |
| Return on Equity | 10.12% | 9.27% | 8.48% | 9.47% | 7.99% | 11.65% | 7.54% | 8.69% | -78 bps | |
| Net Interest Margin | 4.31% | 4.47% | 4.38% | 4.83% | 4.85% | 4.65% | 4.76% | 4.74% | -9 bps | |
| Efficiency Ratio | 53.70% | 53.75% | 58.47% | 59.27% | 69.42% | 52.04% | 63.34% | 62.43% | +316 bps | |
| Non-Interest Burden | 1.73% | 2.03% | 2.37% | 2.59% | 3.18% | 2.16% | 2.86% | 2.74% | +15 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 | 0.09% | 0.59% | 1.76% | 0.00% | 0.03% | 0.00% | 0.00% | -0.02% | -2 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 | |