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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.85% | 0.89% | 0.80% | 0.82% | -2 bps | |
| Return on Equity | 6.06% | 6.45% | 7.34% | 8.71% | 8.92% | +286 bps | |
| Net Interest Margin | 5.22% | 4.81% | 4.07% | 4.46% | 4.25% | -98 bps | |
| Efficiency Ratio | 74.69% | 73.05% | 71.88% | 72.73% | 71.26% | -344 bps | |
| Non-Interest Burden | 3.87% | 3.48% | 2.90% | 3.22% | 3.00% | -86 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 39.16% | 46.14% | 69.83% | 89.01% | 66.12% | +2,696 bps | |
| Loan Growth (YoY) | 62.53% | 42.01% | 30.24% | 25.06% | 26.67% | -3,586 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.08% | 0.07% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.54% | 12.18% | 10.02% | 9.59% | 9.39% | -415 bps | |
| Total Risk-Based Capital | 13.54% | 12.18% | 10.02% | 9.59% | 9.39% | -415 bps | |
| Equity / Assets | 12.56% | 11.68% | 9.35% | 9.02% | 9.11% | -346 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.07% | 79.15% | 61.88% | 55.23% | 59.74% | -2,233 bps | |
| Liquid Assets / Assets | 6.03% | 7.84% | 14.64% | 19.41% | 10.63% | +460 bps | |
| CRE / Total Capital | n/a | 419% | 416% | 394% | n/a | n/a | |