Houston, TX · Cert 59185
State charter, non-member · FDIC · 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
60
Asset Quality
72
Profitability
19
Liquidity
94
Efficiency
29
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.
Houston, TX · Cert 59185
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #50 of 107 inst. · $0.5B 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 | -0.09% | 0.01%1 | 0.25% | 0.27% | 0.34% | 0.66% | 0.55% | 0.71% | +44 bps | |
| Return on Equity | -0.70% | 0.05% | 1.96% | 2.12% | 2.63% | 5.11% | 4.19% | 5.39% | +326 bps | |
| Net Interest Margin | 2.13% | 2.26% | 2.69% | 2.55% | 2.61% | 2.61% | 3.09% | 3.23% | +69 bps | |
| Efficiency Ratio | 100.04% | 99.11% | 77.90% | 80.73% | 80.42% | 84.47% | 77.25% | 79.00% | -173 bps | |
| Non-Interest Burden | 2.13% | 2.23% | 2.06% | 2.03% | 2.07% | 2.18% | 2.35% | 2.53% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | -7.12% | 6.45% | 6.65% | 6.75% | 9.23% | 5.81% | 2.44% | -421 bps | |
| Loan Growth (YoY) | -17.20% | -3.54% | 33.05% | 36.97% | 59.04% | 67.71% | 35.65% | 23.51% | -1,347 bps | |
| Deposit Growth (YoY) | -0.59% | 4.69% | 1.99% | 15.55% | 17.34% | 13.72% | 20.37% | 14.18% | -137 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.64% | 2.12% | 1.50% | 1.33% | 1.15% | 0.71% | 0.85% | 0.65% | -68 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.44% | 0.00% | 0.00% | 0.00% | -0.93% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.72% | 1.28% | 1.16% | 1.10% | 1.06% | 1.16% | 1.17% | 1.05% | -4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.8x | 0.8x | 0.9x | 1.6x | 1.4x | 1.6x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.84% | 14.05% | 14.11% | 12.96% | 12.84% | 12.87% | 13.65% | 13.78% | +82 bps | |
| Total Risk-Based Capital | 21.08% | 22.02% | 18.90% | 17.53% | 17.96% | 17.60% | 17.50% | 17.63% | +10 bps | |
| Equity / Assets | 13.30% | 12.85% | 12.70% | 12.46% | 13.00% | 13.34% | 12.98% | 13.24% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.48% | 48.26% | 64.01% | 69.85% | 72.48% | 71.18% | 72.14% | 75.56% | +571 bps | |
| Liquid Assets / Assets | 7.84% | 10.78% | 1.87% | 1.38% | 1.34% | 3.41% | 2.90% | 1.99% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 247% | 271% | 282% | n/a | n/a | |
Houston, TX · Cert 59185 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.71%
Rank 17 of 21
Net Interest Margin
3.23%
Rank 17 of 21
Efficiency Ratio
79.00%
Rank 16 of 21
Equity / Assets
13.24%
Rank 7 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.77% | 1.16% | 1.46% | Beats 19% | 17 / 21 | ||
| Return on Equity | 5.36% | 6.66% | 8.42% | 15.66% | Beats 19% | 17 / 21 | ||
| Net Interest Margin | 3.23% | 3.50% | 3.97% | 4.41% | Beats 19% | 17 / 21 | ||
| Efficiency Ratio | 79.00% | 59.33% | 68.18% | 79.00% | Beats 29% | 16 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.01% | 0.37% | 1.25% | Beats 43% | 13 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.72% | 12.65% | 15.76% | 18.38% | Beats 57% | 9 / 21 | ||
| Total Risk-Based Capital Ratio | 17.63% | 12.65% | 16.68% | 19.63% | Beats 57% | 9 / 21 | ||
| Equity / Assets | 13.24% | 9.08% | 11.30% | 15.80% | Beats 67% | 7 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.56% | 64.96% | 78.30% | 90.30% | 38th pctl | 13 / 21 | ||
| Loans / Assets | 63.00% | 55.83% | 65.86% | 74.20% | 43rd pctl | 12 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||