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Texas Traditions Bank

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

$555.9MAssets
$299.0MLoans
$500.4MDeposits
$50.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 5 of 21).
  • Widest gap: total risk-based capital ratio 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

0.77%

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

Non-interest income vs. expense

$0.4M$17.0MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 43% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 71.26%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.77%0.77%1.16%1.46%Beats 24%16 / 21
Return on Equity8.42%6.66%8.42%15.66%Beats 48%11 / 21
Net Interest Margin4.25%3.50%3.97%4.41%Beats 62%8 / 21
Efficiency Ratio71.26%59.33%68.18%79.00%Beats 43%13 / 21
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.37%1.25%Beats 100%5 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio9.39%12.65%15.76%18.38%Beats 0%21 / 21
Total Risk-Based Capital Ratio9.39%12.65%16.68%19.63%Beats 0%21 / 21
Equity / Assets9.11%9.08%11.30%15.80%Beats 29%15 / 21
Liquidity & Funding
Loans / Deposits59.74%64.96%78.30%90.30%19th pctl17 / 21
Loans / Assets53.78%55.83%65.86%74.20%19th pctl17 / 21
Brokered Deposits / Depositsn/aNot reported for this institution