Agility Bank, N.A.
Houston, TX · Cert 59239 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
National charter · OCC · 1 branch
Q2 2026
$151.6MAssets
$99.9MLoans
$120.3MDeposits
$28.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 2 of 21).
- Widest gap: return on equity trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 21 of 21).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.41%
Rank 21 of 21
Net Interest Margin
3.97%
Rank 11 of 21
Efficiency Ratio
105.38%
Rank 21 of 21
Equity / Assets
18.93%
Rank 2 of 21
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 5% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.41% | 0.77% | 1.16% | 1.46% | Beats 0% | 21 / 21 | |
| Return on Equity | -2.17% | 6.66% | 8.42% | 15.66% | Beats 0% | 21 / 21 | |
| Net Interest Margin | 3.97% | 3.50% | 3.97% | 4.41% | Beats 48% | 11 / 21 | |
| Efficiency Ratio | 105.38% | 59.33% | 68.18% | 79.00% | Beats 5% | 21 / 21 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.01% | 0.37% | 1.25% | Beats 33% | 15 / 21 | |
| Net Charge-Offs / Loans | 0.17% | n/a | 0.01% | 0.05% | Beats 5% | 21 / 21 | |
| Capital |
| Tier 1 Capital Ratio | 19.99% | 12.65% | 15.76% | 18.38% | Beats 81% | 4 / 21 | |
| Total Risk-Based Capital Ratio | 19.99% | 12.65% | 16.68% | 19.63% | Beats 81% | 4 / 21 | |
| Equity / Assets | 18.93% | 9.08% | 11.30% | 15.80% | Beats 90% | 2 / 21 | |
| Liquidity & Funding |
| Loans / Deposits | 83.00% | 64.96% | 78.30% | 90.30% | 67th pctl | 7 / 21 | |
| Loans / Assets | 65.86% | 55.83% | 65.86% | 74.20% | 48th pctl | 11 / 21 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |