Austin, TX · Cert 59366
FDIC
Q2 2026
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 | -28.01% | -28.92% | -32.59% | -30.68% | -39.51% | -1,150 bps | |
| Return on Equity | -29.68% | -30.80% | -34.94% | -33.84% | -44.19% | -1,451 bps | |
| Net Interest Margin | 3.71% | 3.60% | 3.75% | 3.19% | 3.43% | -27 bps | |
| Efficiency Ratio | 1086% | 1156% | 1211% | 1277% | 1783% | +69,678 bps | |
| Non-Interest Burden | 36.93% | 37.82% | 42.77% | 41.49% | 54.76% | +1,783 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | 11.88% | -5.65% | -14.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 93.90% | 96.10% | 84.90% | 83.70% | 80.18% | -1,372 bps | |
| Total Risk-Based Capital | 347% | 348% | 339% | 307% | 260% | -8,680 bps | |
| Equity / Assets | 94.03% | 92.61% | 90.84% | 90.47% | 86.66% | -737 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |