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 | |