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NexBank
Dallas, TX·FDIC Cert #29209·Charter: STATE·Est. 19341130.0·HC: SLHC TRUST THE
Total Assets
$13.9B
Q4 2025
Return on Assets
1.17%
-0.16%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
41.69%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.17%-0.16
ROE
12.89%-1.65
Efficiency
41.69%+2.57
Equity/Assets
0.00%+0.00
NPL Ratio
1.22%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.50%+5.22
Charge-offs
0.03%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 0.9 | 0.8 | 1.3 | 1.3 | 1.3 | 1.2 |
| ROE | 12.4 | 12.9 | 11.1 | 9.7 | 13.8 | 13.9 | 14.5 | 12.9 |
| Efficiency | 41.0 | 42.1 | 45.3 | 48.2 | 41.8 | 40.0 | 39.1 | 41.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.1 | 1.3 | 1.5 | 1.1 | 1.5 | 1.3 | 1.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 83.3 | 81.7 | 86.8 | 87.9 | 83.9 | 88.9 | 82.3 | 87.5 |
Balance Sheet
Total Assets$13.9B
Total Deposits$10.8B
Total Loans$9.4B
Total Equity$1.2B
Profitability
ROA1.17%
ROE12.89%
Efficiency Ratio41.69%
Net Income$164.8M
Risk & Asset Quality
NPL Ratio1.22%
Charge-off Rate0.03%
Loan/Deposit87.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans