Addison, TX · Cert 58852 · Liberty Capital Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #79 of 166 inst. · $0.5B of $732.8B
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 | 0.98% | 1.12% | 1.56% | 1.50% | 1.53% | 1.59% | 1.32% | 1.21% | -29 bps | |
| Return on Equity | 8.29% | 9.42% | 13.22% | 13.52% | 13.97% | 14.44% | 11.73% | 10.77% | -275 bps | |
| Net Interest Margin | 3.42% | 3.39% | 3.93% | 3.80% | 3.64% | 4.00% | 4.21% | 4.03% | +23 bps | |
| Efficiency Ratio | 52.68% | 50.73% | 48.22% | 46.75% | 46.31% | 53.39% | 57.25% | 57.70% | +1,095 bps | |
| Non-Interest Burden | 1.79% | 1.71% | 1.88% | 1.76% | 1.67% | 2.15% | 2.45% | 2.35% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | 3.99% | 7.89% | 21.81% | 22.20% | 75.50% | 76.14% | 51.97% | +3,016 bps | |
| Loan Growth (YoY) | 22.83% | 27.89% | 24.25% | 30.46% | 26.54% | 72.23% | 58.63% | 60.22% | +2,976 bps | |
| Deposit Growth (YoY) | -1.39% | 9.81% | 14.54% | 19.60% | 18.55% | 76.05% | 75.81% | 54.63% | +3,503 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.01% | 0.05% | 0.07% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.08% | 1.08% | 1.09% | 1.08% | 1.08% | 1.08% | 1.13% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 16.1x | n/a | 87.4x | 23.7x | 15.0x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 12.07% | 11.79% | 11.34% | 10.84% | 10.71% | 11.15% | 10.89% | -44 bps | |
| Total Risk-Based Capital | 15.98% | 15.55% | 15.16% | 14.45% | 14.05% | 13.77% | 14.78% | 13.70% | -75 bps | |
| Equity / Assets | 12.08% | 11.86% | 11.73% | 10.00% | 10.47% | 11.09% | 11.44% | 11.21% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.39% | 93.38% | 97.40% | 88.80% | 95.42% | 91.36% | 87.89% | 92.01% | +321 bps | |
| Liquid Assets / Assets | 17.56% | 14.86% | 10.34% | 19.72% | 15.78% | 16.34% | 19.84% | 15.95% | -378 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 408% | 464% | 456% | n/a | n/a | |