PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East Texas Professional

Longview, TX · Charter 67761

NCUA · 22 branches

Q2 2026

$1.4BAssets
$977.1MLoans
$1.2BShares
$280.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.78%, up 12 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.41% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.39%, up 52 bps from a year ago.
  • Funding: loans stand at 84.93% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.78%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.75%+3 bps YoY

Efficiency Ratio (quarter, annualized)

56.76%-390 bps YoY

Net Worth / Assets

19.39%+52 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.67%1.72%1.66%1.74%1.81%1.64%1.78%+12 bps
Return on Equity9.60%9.08%9.10%8.81%9.18%9.46%8.66%9.19%+38 bps
Net Interest Margin3.67%3.64%3.72%3.73%3.71%3.70%3.66%3.75%+3 bps
Efficiency Ratio59.79%60.28%59.10%60.66%59.40%58.04%56.06%56.76%-390 bps
Growth
Asset Growth (YoY)14.08%10.50%4.92%6.19%5.10%6.04%9.74%7.29%+111 bps
Loan Growth (YoY)15.48%14.19%14.12%9.51%7.11%6.49%4.52%5.15%-436 bps
Share Growth (YoY)15.12%11.85%4.19%6.02%4.06%4.52%9.98%6.67%+65 bps
Asset Quality
Delinquent Loans / Loans0.33%0.32%0.15%0.41%0.49%0.48%0.23%0.41%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.20%18.40%18.91%18.87%18.91%19.09%18.94%19.39%+52 bps
Net Worth / Assets18.20%18.40%18.91%18.87%18.91%19.09%18.94%19.39%+52 bps
Liquidity & Funding
Loans / Shares83.35%83.67%87.01%86.16%85.78%85.24%82.70%84.93%-123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps