Katy, TX · Cert 59304
State charter, non-member · FDIC · 2 branches
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
10
Asset Quality
100
Profitability
45
Liquidity
57
Efficiency
43
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.
Katy, TX · Cert 59304
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #49 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 | 1.18% | 1.24% | 0.82% | 0.83% | 0.85% | 0.89% | 0.80% | 0.82% | -2 bps | |
| Return on Equity | 7.32% | 7.82% | 5.66% | 6.06% | 6.45% | 7.34% | 8.71% | 8.92% | +286 bps | |
| Net Interest Margin | 5.47% | 5.10% | 5.56% | 5.22% | 4.81% | 4.07% | 4.46% | 4.25% | -98 bps | |
| Efficiency Ratio | 71.12% | 69.49% | 76.47% | 74.69% | 73.05% | 71.88% | 72.73% | 71.26% | -344 bps | |
| Non-Interest Burden | 3.86% | 3.52% | 4.22% | 3.87% | 3.48% | 2.90% | 3.22% | 3.00% | -86 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 60.16% | 24.36% | 23.68% | 39.16% | 46.14% | 69.83% | 89.01% | 66.12% | +2,696 bps | |
| Loan Growth (YoY) | 151.94% | 109.71% | 79.35% | 62.53% | 42.01% | 30.24% | 25.06% | 26.67% | -3,586 bps | |
| Deposit Growth (YoY) | 78.65% | 26.30% | 26.15% | 45.61% | 54.47% | 81.89% | 104.06% | 74.02% | +2,841 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.08% | 0.07% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.85% | 0.85% | 0.87% | 0.89% | 0.92% | 0.92% | 0.93% | 0.94% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.25% | 15.03% | 14.64% | 13.54% | 12.18% | 10.02% | 9.59% | 9.39% | -415 bps | |
| Total Risk-Based Capital | 21.75% | 15.03% | 14.64% | 13.54% | 12.18% | 10.02% | 9.59% | 9.39% | -415 bps | |
| Equity / Assets | 15.82% | 14.50% | 14.48% | 12.56% | 11.68% | 9.35% | 9.02% | 9.11% | -346 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.10% | 86.43% | 90.12% | 82.07% | 79.15% | 61.88% | 55.23% | 59.74% | -2,233 bps | |
| Liquid Assets / Assets | 3.81% | 6.20% | 4.67% | 6.03% | 7.84% | 14.64% | 19.41% | 10.63% | +460 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 419% | 416% | 394% | n/a | n/a | |
Katy, TX · Cert 59304 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.77%
Rank 16 of 21
Net Interest Margin
4.25%
Rank 8 of 21
Efficiency Ratio
71.26%
Rank 13 of 21
Equity / Assets
9.11%
Rank 15 of 21
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.77% | 0.77% | 1.16% | 1.46% | Beats 24% | 16 / 21 | ||
| Return on Equity | 8.42% | 6.66% | 8.42% | 15.66% | Beats 48% | 11 / 21 | ||
| Net Interest Margin | 4.25% | 3.50% | 3.97% | 4.41% | Beats 62% | 8 / 21 | ||
| Efficiency Ratio | 71.26% | 59.33% | 68.18% | 79.00% | Beats 43% | 13 / 21 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.37% | 1.25% | Beats 100% | 5 / 21 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.05% | Beats 100% | 9 / 21 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.39% | 12.65% | 15.76% | 18.38% | Beats 0% | 21 / 21 | ||
| Total Risk-Based Capital Ratio | 9.39% | 12.65% | 16.68% | 19.63% | Beats 0% | 21 / 21 | ||
| Equity / Assets | 9.11% | 9.08% | 11.30% | 15.80% | Beats 29% | 15 / 21 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.74% | 64.96% | 78.30% | 90.30% | 19th pctl | 17 / 21 | ||
| Loans / Assets | 53.78% | 55.83% | 65.86% | 74.20% | 19th pctl | 17 / 21 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||