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 (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 | 0.21%1 | 0.29%1 | 0.25% | 0.29% | 0.46% | 1.60% | 0.55% | 0.86% | +58 bps | |
| Return on Equity | 1.63% | 2.25% | 1.96% | 2.27% | 3.62% | 12.12% | 4.19% | 6.60% | +432 bps | |
| Net Interest Margin | 2.39% | 2.56% | 2.69% | 2.64% | 2.82% | 2.83% | 3.09% | 3.40% | +76 bps | |
| Efficiency Ratio | 89.82% | 96.71% | 77.90% | 83.35% | 79.87% | 95.46% | 77.25% | 80.59% | -276 bps | |
| Non-Interest Burden | 2.13% | 2.47% | 2.06% | 2.17% | 2.23% | 2.69% | 2.35% | 2.71% | +54 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% | 1.74% | 0.00% | 0.00% | 0.00% | -3.71% | 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 | |