Pampa, TX · Charter 67621
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 | 1.78% | 1.53% | 2.71% | 2.18% | 1.55% | 1.01% | 1.60% | 0.88% | -130 bps | |
| Return on Equity | 13.57% | 11.51% | 19.70% | 15.27% | 10.90% | 7.26% | 11.42% | 6.22% | -906 bps | |
| Net Interest Margin | 4.21% | 4.51% | 4.24% | 4.34% | 4.38% | 4.30% | 3.97% | 3.99% | -34 bps | |
| Efficiency Ratio | 62.18% | 64.20% | 64.41% | 63.16% | 62.09% | 71.72% | 76.10% | 71.66% | +850 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.05% | 5.19% | 4.72% | 1.92% | 2.18% | 2.77% | 3.69% | 4.05% | +213 bps | |
| Loan Growth (YoY) | -0.22% | 1.67% | 3.40% | 6.79% | 7.55% | -0.45% | -4.42% | -9.59% | -1,639 bps | |
| Share Growth (YoY) | 2.53% | 3.98% | 3.10% | 0.25% | 0.84% | 1.45% | 3.41% | 4.27% | +402 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.06% | 0.06% | 0.32% | 1.58% | 2.83% | 1.37% | 1.63% | +131 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 | 0.61% | 0.58% | 0.29% | 0.36% | 0.78% | 0.92% | 0.79% | 1.24% | +88 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.12% | 13.25% | 13.78% | 14.25% | 14.20% | 13.91% | 14.02% | 14.08% | -17 bps | |
| Net Worth / Assets | 13.12% | 13.25% | 13.78% | 14.25% | 14.20% | 13.91% | 14.02% | 14.08% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.09% | 99.58% | 99.41% | 104.79% | 102.49% | 97.71% | 91.88% | 90.86% | -1,393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |