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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.34% | 0.66% | 0.55% | 0.71% | +44 bps | |
| Return on Equity | 2.12% | 2.63% | 5.11% | 4.19% | 5.39% | +326 bps | |
| Net Interest Margin | 2.55% | 2.61% | 2.61% | 3.09% | 3.23% | +69 bps | |
| Efficiency Ratio | 80.73% | 80.42% | 84.47% | 77.25% | 79.00% | -173 bps | |
| Non-Interest Burden | 2.03% | 2.07% | 2.18% | 2.35% | 2.53% | +50 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.65% | 6.75% | 9.23% | 5.81% | 2.44% | -421 bps | |
| Loan Growth (YoY) | 36.97% | 59.04% | 67.71% | 35.65% | 23.51% | -1,347 bps | |
| Deposit Growth (YoY) | 15.55% | 17.34% | 13.72% | 20.37% | 14.18% | -137 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.33% | 1.15% | 0.71% | 0.85% | 0.65% | -68 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.93% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.06% | 1.16% | 1.17% | 1.05% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.6x | 1.4x | 1.6x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.96% | 12.84% | 12.87% | 13.65% | 13.78% | +82 bps | |
| Total Risk-Based Capital | 17.53% | 17.96% | 17.60% | 17.50% | 17.63% | +10 bps | |
| Equity / Assets | 12.46% | 13.00% | 13.34% | 12.98% | 13.24% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.85% | 72.48% | 71.18% | 72.14% | 75.56% | +571 bps | |
| Liquid Assets / Assets | 1.38% | 1.34% | 3.41% | 2.90% | 1.99% | +61 bps | |
| CRE / Total Capital | n/a | 247% | 271% | 282% | n/a | n/a | |