Houston, TX · Cert 59239
National charter · OCC · 1 branch
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.0% share · #78 of 107 inst. · $0.1B 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 | -5.95% | -10.13% | -2.36% | -0.66% | -0.28% | 0.45% | -0.55% | -0.33% | +33 bps | |
| Return on Equity | -15.46% | -31.23% | -9.21% | -2.96% | -1.26% | 2.03% | -2.60% | -1.71% | +125 bps | |
| Net Interest Margin | 5.22% | 5.44% | 4.75% | 4.54% | 4.63% | 4.60% | 4.24% | 3.99% | -55 bps | |
| Efficiency Ratio | 168.97% | 256% | 111.49% | 113.60% | 105.18% | 77.27% | 110.09% | 100.67% | -1,293 bps | |
| Non-Interest Burden | 8.88% | 14.08% | 5.46% | 5.17% | 4.88% | 3.53% | 4.69% | 4.02% | -115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.39% | 35.21% | 58.73% | 59.61% | 48.41% | 25.81% | 13.89% | 14.45% | -4,517 bps | |
| Loan Growth (YoY) | 48.19% | 66.68% | 99.42% | 83.97% | 45.66% | 18.39% | 6.43% | -1.25% | -8,522 bps | |
| Deposit Growth (YoY) | 45.38% | 78.88% | 119.84% | 115.03% | 86.80% | 42.24% | 20.08% | 19.93% | -9,509 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.11% | 0.44% | 0.09% | 0.09% | 0.53% | 0.51% | 1.18% | +109 bps | |
| Net Charge-Offs / Loans | 0.00% | 1.15% | 0.00% | 1.47% | 0.00% | 0.59% | 0.50% | 0.16% | -132 bps | |
| Allowance / Loans | 2.17% | 1.87% | 2.14% | 1.69% | 1.72% | 1.76% | 1.63% | 1.76% | +7 bps | |
| Allowance Coverage of NPLs | 82.6x | 16.6x | 4.9x | 18.8x | 19.3x | 3.3x | 3.2x | 1.5x | -17.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 37.53% | 31.16% | 25.72% | 22.48% | 21.94% | 22.07% | 21.58% | 19.99% | -249 bps | |
| Total Risk-Based Capital | 37.53% | 31.16% | 25.72% | 22.48% | 21.94% | 22.07% | 21.58% | 19.99% | -249 bps | |
| Equity / Assets | 36.73% | 28.80% | 23.09% | 21.88% | 22.15% | 22.30% | 20.05% | 18.93% | -295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 129.93% | 123.45% | 103.58% | 100.81% | 101.32% | 102.75% | 91.81% | 83.01% | -1,780 bps | |
| Liquid Assets / Assets | 12.66% | 10.42% | 17.86% | 16.86% | 16.36% | 15.77% | 22.06% | 29.01% | +1,214 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 223% | 225% | 227% | n/a | n/a | |