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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Warwick, RI · FDIC certificate #27417
SHOREHAM BANK is an FDIC-insured institution based in Warwick, RI (FDIC certificate #27417). In its Q3 2026 Call Report it reported total assets of $579M, total deposits of $433M and net loans of $502M. Its primary federal regulator is OCC.
Reported facts
SHOREHAM BANK (FDIC certificate #27417) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $579M |
|---|---|
| Total deposits | $433M |
| Net loans and leases | $502M |
| Return on assets | 0.81% |
| Return on equity | 7.73% |
| Net interest margin | 4.28% |
| Quarterly asset change | 8.22% |
| Quarterly deposit change | 3.02% |
Plain-language readout
SHOREHAM BANK in Warwick, RI reported total assets of $579M, total deposits of $433M and net loans of $502M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.81%, a return on equity of 7.73%, a net interest margin of 4.28%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $579M | $433M | $502M | 0.81% | 7.73% | 4.28% |
| Q2 2026 | $535M | $420M | $459M | 0.63% | 5.89% | 4.30% |
| Q1 2026 | $522M | $418M | $448M | 0.30% | 2.73% | 4.28% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks with $300 million-$1 billion in assets for the same quarter.
All ratios
| Ratio | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Trend | Peer median | Position among peers |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit and capital | |||||||||||||||
| Texas ratio (gross) | 9.95% | 8.22% | 7.74% | 7.68% | 7.63% | 6.54% | 6.41% | 5.93% | 7.86% | 10.48% | 11.84% | 8.85% | Down 1.10 pts since Q3 2023 | 2.95% | 21–35% 78th percentile of 1435 peers, lower is better |
| Texas ratio (adjusted) | 9.95% | 8.22% | 7.74% | 7.68% | 7.63% | 6.54% | 6.41% | 5.93% | 7.86% | 10.48% | 11.73% | 8.81% | Down 1.14 pts since Q3 2023 | 2.85% | 21–35% 78th percentile of 1435 peers, lower is better |
| Texas ratio (adjusted, with performing restructured) | 9.95% | 8.22% | 7.74% | 7.68% | 7.63% | 6.54% | 6.41% | 7.94% | Not reported | Not reported | Not reported | 8.93% | Down 1.02 pts since Q3 2023 | 3.48% | 21–35% 77th percentile of 1212 peers, lower is better |
| Tier 1 capital to risk-weighted assets | 15.46% | 14.91% | 14.48% | 13.83% | 12.97% | 13.05% | 12.99% | 12.95% | 12.83% | 13.14% | 12.86% | 12.73% | Down 2.73 pts since Q3 2023 | 14.55% | 21–35% 28th percentile of 822 peers, higher is better |
| Common equity Tier 1 to risk-weighted assets | 15.46% | 14.91% | 14.48% | 13.83% | 12.97% | 13.05% | 12.99% | 12.95% | 12.83% | 13.14% | 12.86% | 12.73% | Down 2.73 pts since Q3 2023 | 14.54% | 21–35% 28th percentile of 822 peers, higher is better |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | 1.26% | Flat since Q3 2023 | 1.19% | No band 95th percentile of 822 peers |
| Total risk-based capital to risk-weighted assets | 16.72% | 16.17% | 15.74% | 15.09% | 14.23% | 14.31% | 14.26% | 14.21% | 14.10% | 14.41% | 14.13% | 13.99% | Down 2.73 pts since Q3 2023 | 15.67% | 21–35% 29th percentile of 822 peers, higher is better |
| Tier 1 leverage (approximate) | 13.18% | 12.61% | 12.10% | 11.67% | 11.09% | 11.00% | 11.14% | 10.98% | 10.78% | 11.20% | 11.17% | 10.65% | Down 2.53 pts since Q3 2023 | 10.81% | 36–50% 47th percentile of 1435 peers, higher is better |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | Flat since Q3 2023 | 37.28% | Top 50% 0th percentile of 1435 peers, lower is better |
| Commercial real estate to total capital | 167.84% | 186.69% | 198.07% | 194.54% | 215.73% | 200.81% | 202.98% | 229.47% | 222.80% | 221.60% | 255.23% | 224.79% | Up 56.95 pts since Q3 2023 | 153.44% | 21–35% 74th percentile of 1435 peers, lower is better |
| Dividend payout, year to date | 0.00% | 20.99% | 0.00% | 11.24% | 29.16% | 47.39% | 65.78% | 61.22% | 79.77% | 72.84% | 112.00% | 72.64% | Up 72.64 pts since Q3 2023 | 31.54% | No band 85th percentile of 1389 peers |
| Securities unrealized gain (loss) to Tier 1 capital | -1.56% | -0.61% | -0.71% | -0.83% | -0.22% | -0.79% | -0.50% | -0.61% | -0.25% | -0.08% | -0.19% | -0.21% | Up 1.35 pts since Q3 2023 | -7.52% | Top 50% 93rd percentile of 1435 peers, higher is better |
| Net charge-off rate: Closed-end 1-4 family, first liens | -0.24% | -0.36% | -0.07% | -0.13% | -0.14% | -0.11% | -0.02% | -0.01% | -0.02% | 0.00% | 0.02% | -0.00% | Up 0.23 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Closed-end 1-4 family, junior liens | -0.33% | -0.26% | 0.00% | -0.28% | -0.14% | -0.09% | 0.08% | 0.04% | -0.10% | -0.05% | 0.01% | 0.03% | Up 0.35 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Home equity lines of credit | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Net charge-off rate: Other construction and land development | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Net charge-off rate: Owner-occupied non-farm non-residential | -0.10% | -0.10% | -0.11% | 14.32% | 10.03% | 7.75% | -0.15% | -0.16% | -0.15% | -0.15% | -0.08% | -0.08% | Up 0.02 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Other non-farm non-residential | 0.33% | 0.26% | 0.57% | 0.28% | 0.17% | 0.28% | -0.08% | -0.02% | 0.27% | 0.32% | 1.66% | 1.36% | Up 1.02 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Commercial and industrial | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | -0.01% | -0.04% | -0.02% | 0.18% | 0.42% | 5.39% | 3.50% | Up 3.50 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Loans to finance agricultural production | 0.00% | 0.00% | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Flat since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Credit cards | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Net charge-off rate: Automobile loans | 0.84% | 1.25% | 1.56% | 1.55% | 1.66% | 1.90% | 2.09% | 2.48% | 2.53% | 2.71% | 2.58% | 2.54% | Up 1.71 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: All other loans and leases (total less the types above) | 0.48% | 0.63% | 1.70% | 1.34% | 1.01% | 0.67% | 0.42% | 0.37% | 0.58% | 0.83% | 1.14% | 0.60% | Up 0.12 pts since Q3 2023 | Not reported | Not reported |
| Net charge-off rate: Total loans and leases | 0.16% | 0.21% | 0.89% | 0.76% | 0.57% | 0.57% | 0.34% | 0.39% | 0.50% | 0.57% | 1.08% | 0.85% | Up 0.69 pts since Q3 2023 | Not reported | Not reported |
| Liquidity | |||||||||||||||
| Net short-term liabilities to total assets | -5.27% | 1.12% | -1.76% | -2.21% | 2.75% | 1.38% | -0.57% | 0.19% | -1.22% | 0.02% | 3.77% | 0.72% | Up 6.00 pts since Q3 2023 | Not reported | Not reported |
| Loans to core deposits | 140.41% | 145.61% | 144.50% | 140.38% | 145.38% | 146.54% | 144.57% | 142.21% | 138.46% | 140.66% | 139.83% | 150.89% | Up 10.48 pts since Q3 2023 | 93.71% | No band 95th percentile of 1430 peers |
| Loans to deposits | 100.50% | 103.21% | 97.68% | 94.03% | 97.78% | 98.50% | 98.89% | 99.73% | 98.72% | 102.15% | 102.92% | 108.57% | Up 8.08 pts since Q3 2023 | 82.79% | No band 95th percentile of 1433 peers |
| Brokered deposits share of deposits | 21.93% | 21.90% | 25.87% | 23.54% | 21.57% | 21.70% | 21.29% | 19.52% | 17.25% | 18.22% | 18.18% | 20.25% | Down 1.68 pts since Q3 2023 | 0.00% | Bottom 20% 95th percentile of 1433 peers, lower is better |
| Pledged securities share of securities | 88.74% | 89.54% | 89.24% | 78.36% | 78.51% | 78.51% | 78.82% | 74.17% | 73.60% | 73.54% | 71.38% | 70.97% | Down 17.77 pts since Q3 2023 | 41.35% | No band 82nd percentile of 1411 peers |
| Loans pledged, share of loans | 16.44% | 20.06% | 19.03% | 17.81% | 16.46% | 16.74% | 16.31% | 16.71% | 16.50% | 16.05% | 15.03% | 22.39% | Up 5.96 pts since Q3 2023 | 36.98% | No band 29th percentile of 1429 peers |
| Yield and cost | |||||||||||||||
| Yield on loans and leases | Not reported | 8.89% | 8.78% | 8.76% | 8.84% | 8.94% | 8.44% | 8.66% | 8.37% | 8.45% | 7.88% | 7.84% | Down 1.06 pts since Q4 2023 | 6.57% | No band 95th percentile of 1429 peers |
| Yield on interest-bearing balances due from banks | Not reported | 5.60% | 4.86% | 5.62% | 4.82% | 4.96% | 3.59% | 4.71% | 4.07% | 4.19% | 3.31% | 3.70% | Down 1.90 pts since Q4 2023 | 3.67% | No band 57th percentile of 1429 peers |
| Total interest income to average assets | Not reported | 8.37% | 8.23% | 8.25% | 8.28% | 8.37% | 7.87% | 8.06% | 7.73% | 7.83% | 7.32% | 7.31% | Down 1.06 pts since Q4 2023 | 5.36% | No band 95th percentile of 1435 peers |
| Cost of interest-bearing transaction accounts | Not reported | 1.49% | 1.44% | 1.54% | 1.47% | 1.51% | 1.42% | 1.54% | 1.46% | 1.42% | 1.41% | 1.29% | Down 0.20 pts since Q4 2023 | 0.96% | 36–50% 63rd percentile of 1413 peers, lower is better |
| Cost of savings and money market deposits | Not reported | 4.54% | 4.56% | 4.61% | 4.67% | 4.15% | 3.64% | 3.66% | 3.62% | 3.48% | 3.29% | 3.31% | Down 1.24 pts since Q4 2023 | 1.51% | Bottom 20% 95th percentile of 1426 peers, lower is better |
| Cost of time deposits | Not reported | 3.19% | 3.39% | 3.63% | 3.95% | 4.04% | 3.80% | 3.85% | 4.10% | 4.07% | 3.90% | 3.86% | Up 0.68 pts since Q4 2023 | 3.53% | Bottom 20% 86th percentile of 1427 peers, lower is better |
| Yield on loans secured by 1-4 family properties | Not reported | 6.48% | 6.46% | 6.64% | 6.51% | 7.43% | 6.59% | 6.55% | 6.56% | 6.59% | 6.38% | 6.38% | Down 0.10 pts since Q4 2023 | Not reported | Not reported |
| Yield on other loans secured by real estate | Not reported | 12.24% | 11.60% | 11.42% | 11.75% | 10.85% | 10.53% | 11.17% | 10.00% | 10.38% | 9.04% | 9.08% | Down 3.16 pts since Q4 2023 | Not reported | Not reported |
| Yield on commercial and industrial loans | Not reported | 7.48% | 7.71% | 8.47% | 8.34% | 8.53% | 8.79% | 8.66% | 8.95% | 8.89% | 8.68% | 8.81% | Up 1.33 pts since Q4 2023 | Not reported | Not reported |
| Yield on credit card loans | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Yield on other loans to individuals | Not reported | 9.20% | 9.24% | 9.27% | 9.47% | 9.44% | 9.19% | 9.28% | 9.29% | 9.11% | 8.79% | 8.78% | Down 0.41 pts since Q4 2023 | Not reported | Not reported |
| Yield on U.S. Treasury and agency securities | Not reported | 5.84% | 5.78% | 5.90% | 5.58% | 5.65% | 5.52% | 5.69% | 5.76% | 5.74% | 5.73% | 4.78% | Down 1.06 pts since Q4 2023 | Not reported | Not reported |
| Yield on mortgage-backed securities | Not reported | 3.54% | 4.64% | 3.88% | 4.00% | 3.17% | 4.58% | 6.12% | 6.64% | 7.19% | 8.30% | 7.27% | Up 3.73 pts since Q4 2023 | Not reported | Not reported |
| Yield on all other securities | Not reported | 3.54% | 3.42% | 4.06% | 4.12% | 4.12% | 4.14% | 4.12% | 4.16% | 3.97% | 3.95% | 7.08% | Up 3.54 pts since Q4 2023 | Not reported | Not reported |
| Yield on federal funds sold and resale agreements | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Cost of federal funds purchased and repurchase agreements | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Cost of other borrowed money | Not reported | 5.69% | 5.58% | 5.72% | 5.50% | 4.48% | 4.54% | 3.07% | 3.08% | 3.20% | 3.83% | 3.66% | Down 2.02 pts since Q4 2023 | Not reported | Not reported |
| Total interest expense to average assets | Not reported | 3.13% | 3.24% | 3.37% | 3.58% | 3.50% | 3.23% | 3.24% | 3.36% | 3.29% | 3.15% | 3.14% | Up 0.02 pts since Q4 2023 | 1.63% | Bottom 20% 97th percentile of 1435 peers, lower is better |
Ratios are rebuilt from Call Report fields for each quarter. Trend compares the latest quarter with the oldest quarter shown. Year-to-date ratios restart each January.
Balance sheet
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Cash and balances due from depository institutions | $39.7M | 7.43% | 5.52% | No band 63rd percentile of 1435 peers | +$2.2M |
| Federal funds sold | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Securities purchased under agreements to resell | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.8M | 2.96% | 17.24% | No band 8th percentile of 1435 peers | -$25K |
| Equity securities with readily determinable fair values, not held for trading | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Loans and leases held for sale | $12.2M | 2.29% | 0.00% | No band 95th percentile of 1435 peers | -$15.3M |
| Net loans and leases (after allowance) | $446.6M | 83.52% | 69.96% | No band 92nd percentile of 1435 peers | +$26.3M |
| Trading assets | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Premises and fixed assets | $6.9M | 1.29% | 1.31% | No band 49th percentile of 1435 peers | -$39K |
| Other real estate owned | $30K | 0.01% | 0.00% | No band 68th percentile of 1435 peers | -$665K |
| Investments in unconsolidated subsidiaries and associated companies | $0K | 0.00% | 0.00% | No band 5th percentile of 1435 peers | $0K |
| Direct and indirect investments in real estate ventures | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Intangible assets (goodwill, servicing, other) | $5.3M | 0.99% | 0.02% | No band 90th percentile of 1435 peers | +$82K |
| All other assets | $8.1M | 1.51% | 2.76% | No band 19th percentile of 1435 peers | +$145K |
| Total assets | $534.8M | 100.00% | Not reported | Not reported | +$12.7M |
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Total deposits | $420.5M | 78.63% | 86.18% | No band 13th percentile of 1435 peers | +$2.6M |
| Federal funds purchased | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Securities sold under agreements to repurchase | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Trading liabilities | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Other borrowed money | $55.0M | 10.29% | 1.03% | No band 93rd percentile of 1435 peers | +$8.0M |
| Subordinated notes and debentures | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| All other liabilities | $4.0M | 0.74% | 0.68% | No band 57th percentile of 1435 peers | +$1.6M |
| Total liabilities | $479.5M | 89.66% | Not reported | Not reported | +$12.2M |
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Perpetual preferred stock | $0K | 0.00% | 0.00% | No band 0th percentile of 1435 peers | $0K |
| Common stock | $92K | 0.02% | 0.11% | No band 19th percentile of 1435 peers | $0K |
| Surplus | $34.0M | 6.36% | 2.51% | No band 84th percentile of 1435 peers | $0K |
| Retained earnings | $21.3M | 3.99% | 7.95% | No band 17th percentile of 1435 peers | +$489K |
| Accumulated other comprehensive income | -$114K | -0.02% | -0.62% | No band 89th percentile of 1435 peers | -$8K |
| Other equity components | $0K | 0.00% | 0.00% | No band 100th percentile of 1435 peers | $0K |
| Total equity capital | $55.3M | 10.34% | Not reported | Not reported | +$481K |
Each line is a reported Call Report field. Lines are checked against the reported totals; a note appears if they do not add up. Peer shares by line are not shown yet: see fields still being confirmed.
Earnings power
Earnings before provision shows what the bank earns before setting money aside for loan losses. It is year to date and derived by OptimaYield, not a line on the Call Report.
| Line | Year to date | Call Report fields |
|---|---|---|
| Net interest income | $10.6M | RIAD4074 |
| plus non-interest income | $4.1M | RIAD4079 |
| less non-interest expense | $11.3M | RIAD4093 |
| Earnings before provision (derived) | $3.4M | RIAD4074, RIAD4079, RIAD4093 |
| less provision for credit losses | $1.8M | RIADJJ33 |
| Income before income taxes (as reported) | $1.6M | RIAD4301 |
Check: earnings before provision less the provision matches reported pre-tax income. Formula: Net interest income + non-interest income - non-interest expense. This is not a Call Report line; OptimaYield derives it. Reported pre-tax income also includes securities gains and losses, shown separately.
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $39.7M | $37.6M | +$2.2M | +5.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $15.8M | $15.9M | -$25K | -0.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $12.2M | $27.5M | -$15.3M | -55.5% |
| Net loans and leases (after allowance) | $446.6M | $420.3M | +$26.3M | +6.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.9M | $6.9M | -$39K | -0.6% |
| Other real estate owned | $30K | $695K | -$665K | -95.7% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.3M | $5.2M | +$82K | +1.6% |
| All other assets | $8.1M | $7.9M | +$145K | +1.8% |
| Total assets | $534.8M | $522.0M | +$12.7M | +2.4% |
| Liabilities | ||||
| Total deposits | $420.5M | $417.8M | +$2.6M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $55.0M | $47.0M | +$8.0M | +17.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.0M | $2.4M | +$1.6M | +67.2% |
| Total liabilities | $479.5M | $467.2M | +$12.2M | +2.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $92K | $92K | $0K | 0.0% |
| Surplus | $34.0M | $34.0M | $0K | 0.0% |
| Retained earnings | $21.3M | $20.8M | +$489K | +2.3% |
| Accumulated other comprehensive income | -$114K | -$106K | -$8K | -7.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $55.3M | $54.8M | +$481K | +0.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.3M | $7.0M | -$1.7M | -24.6% |
| Adjusted nonperforming assets | $5.3M | $7.0M | -$1.7M | -24.1% |
| Tangible equity plus allowance | $59.9M | $59.4M | +$562K | +0.9% |
| Texas ratio (gross) | 8.85% | 11.84% | -2.99 pts | See points |
| Texas ratio (adjusted) | 8.81% | 11.73% | -2.91 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.93% | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.73% | 12.86% | -0.13 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.73% | 12.86% | -0.13 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.99% | 14.13% | -0.13 pts | See points |
| Tier 1 leverage (approximate) | 10.65% | 11.17% | -0.51 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 224.79% | 255.23% | -30.44 pts | See points |
| Dividend payout, year to date | 72.64% | 112.00% | -39.36 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.21% | -0.19% | -0.01 pts | See points |
| Net charge-off rate: Closed-end 1-4 family, first liens | -0.00% | 0.02% | -0.02 pts | See points |
| Net charge-off rate: Closed-end 1-4 family, junior liens | 0.03% | 0.01% | +0.01 pts | See points |
| Net charge-off rate: Home equity lines of credit | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Other construction and land development | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Owner-occupied non-farm non-residential | -0.08% | -0.08% | -0.00 pts | See points |
| Net charge-off rate: Other non-farm non-residential | 1.36% | 1.66% | -0.30 pts | See points |
| Net charge-off rate: Commercial and industrial | 3.50% | 5.39% | -1.88 pts | See points |
| Net charge-off rate: Loans to finance agricultural production | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Credit cards | Not reported | Not reported | Not reported | See points |
| Net charge-off rate: Automobile loans | 2.54% | 2.58% | -0.04 pts | See points |
| Net charge-off rate: All other loans and leases (total less the types above) | 0.60% | 1.14% | -0.54 pts | See points |
| Net charge-off rate: Total loans and leases | 0.85% | 1.08% | -0.23 pts | See points |
| Liquidity | ||||
| Core deposits | $302.6M | $307.5M | -$5.0M | -1.6% |
| Non-core funding | $172.9M | $157.3M | +$15.6M | +9.9% |
| Short-term non-core funding | $43.6M | $57.2M | -$13.6M | -23.8% |
| Net short-term liabilities | $3.9M | $19.7M | -$15.8M | -80.3% |
| Net short-term liabilities to total assets | 0.72% | 3.77% | -3.04 pts | See points |
| Loans to core deposits | 150.89% | 139.83% | +11.05 pts | See points |
| Loans to deposits | 108.57% | 102.92% | +5.66 pts | See points |
| Brokered deposits share of deposits | 20.25% | 18.18% | +2.06 pts | See points |
| Pledged securities share of securities | 70.97% | 71.38% | -0.41 pts | See points |
| Loans pledged, share of loans | 22.39% | 15.03% | +7.36 pts | See points |
| Volatile liabilities | $198.0M | $187.5M | +$10.6M | +5.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.3M | +$2.2M | +170.1% |
| Earnings before provision, single quarter | $2.2M | $1.3M | +$894K | +70.1% |
| Provision for credit losses, year to date | $1.8M | $900K | +$925K | +102.8% |
| Deposits | ||||
| Transaction accounts | $12.2M | $9.8M | +$2.4M | +24.6% |
| Savings deposits (excluding money market deposit accounts) | $165.3M | $160.7M | +$4.7M | +2.9% |
| Money market deposit accounts | $0K | $0K | $0K | n/a |
| Time deposits (total) | $243.0M | $247.4M | -$4.4M | -1.8% |
| Yield and cost | ||||
| Yield on loans and leases | 7.84% | 7.88% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.31% | +0.39 pts | See points |
| Total interest income to average assets | 7.31% | 7.32% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.29% | 1.41% | -0.12 pts | See points |
| Cost of savings and money market deposits | 3.31% | 3.29% | +0.01 pts | See points |
| Cost of time deposits | 3.86% | 3.90% | -0.04 pts | See points |
| Yield on loans secured by 1-4 family properties | 6.38% | 6.38% | +0.00 pts | See points |
| Yield on other loans secured by real estate | 9.08% | 9.04% | +0.04 pts | See points |
| Yield on commercial and industrial loans | 8.81% | 8.68% | +0.13 pts | See points |
| Yield on credit card loans | Not reported | Not reported | Not reported | See points |
| Yield on other loans to individuals | 8.78% | 8.79% | -0.01 pts | See points |
| Yield on U.S. Treasury and agency securities | 4.78% | 5.73% | -0.95 pts | See points |
| Yield on mortgage-backed securities | 7.27% | 8.30% | -1.03 pts | See points |
| Yield on all other securities | 7.08% | 3.95% | +3.13 pts | See points |
| Yield on federal funds sold and resale agreements | Not reported | Not reported | Not reported | See points |
| Cost of federal funds purchased and repurchase agreements | Not reported | Not reported | Not reported | See points |
| Cost of other borrowed money | 3.66% | 3.83% | -0.17 pts | See points |
| Average interest-bearing transaction accounts | $5.0M | $3.7M | +$1.3M | +34.9% |
| Average savings and money market deposits | $157.3M | $153.0M | +$4.3M | +2.8% |
| Average time deposits | $237.8M | $243.3M | -$5.5M | -2.3% |
| Average federal funds purchased and repurchase agreements | $0K | $0K | $0K | n/a |
| Average other borrowed money | $52.2M | $23.4M | +$28.8M | +123.3% |
| Total interest expense to average assets | 3.14% | 3.15% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
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