Diboll, TX · Charter 6726
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 0.98% | 0.68% | 0.45% | 1.08% | 1.18% | 1.21% | 0.70% | 0.94% | -14 bps | |
| Return on Equity | 6.05% | 4.03% | 2.68% | 6.20% | 6.71% | 6.83% | 3.89% | 5.14% | -106 bps | |
| Net Interest Margin | 2.45% | 2.44% | 1.99% | 2.40% | 2.51% | 2.51% | 2.73% | 2.79% | +40 bps | |
| Efficiency Ratio | 72.53% | 80.91% | 85.27% | 69.56% | 68.06% | 67.61% | 77.17% | 71.70% | +213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | -1.92% | -3.41% | -2.37% | -1.20% | 2.10% | 1.63% | 1.00% | +337 bps | |
| Loan Growth (YoY) | -4.60% | -9.40% | -8.89% | -4.80% | 3.06% | 3.18% | 5.55% | 2.74% | +754 bps | |
| Share Growth (YoY) | -0.81% | -3.52% | -4.60% | -3.58% | -2.77% | 0.73% | 0.12% | -0.30% | +328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.23% | 0.68% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.20% | 16.87% | 16.95% | 17.34% | 17.58% | 17.69% | 17.90% | 18.28% | +94 bps | |
| Net Worth / Assets | 16.20% | 16.87% | 16.95% | 17.34% | 17.58% | 17.69% | 17.90% | 18.28% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.04% | 43.10% | 42.75% | 43.38% | 45.62% | 44.15% | 45.07% | 44.70% | +132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |