Dalhart Federal Savings & Loan Association, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 132.85 percentage points higher than in Q1 2026, at 203.15%. Dalhart Federal Savings & Loan Association, SSB has the 26th lowest return on assets of the 345 banks headquartered in Texas, at 0.37% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Dalhart Federal Savings & Loan Association, SSB reported 0.37% on return on assets in Q2 2026, 0.88 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.12% |
| Tier 1 risk-based capital ratio | 26.12% |
| Total risk-based capital ratio | 26.60% |
| Tier 1 leverage ratio | 11.42% |
| Equity capital to assets | 9.97% |
| Tangible equity to tangible assets | 9.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 0.33% |
| Reserve coverage of non-performing loans | 203.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 3.76% |
| Net interest margin | 3.03% |
| Efficiency ratio | 88.34% |
| Yield on earning assets | 5.39% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.62% |
| Core deposits to total deposits | 85.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.61% |
| Securities to assets | 19.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.19% | 21.19% | 21.63% | 10.94% | -0.07% |
| Q4 2023 | 22.47% | 22.47% | 22.94% | 11.04% | 0.00% |
| Q1 2024 | 23.41% | 23.41% | 23.88% | 10.61% | -0.22% |
| Q2 2024 | 23.67% | 23.67% | 24.13% | 10.44% | -0.86% |
| Q3 2024 | 24.08% | 24.08% | 24.73% | 10.36% | -0.63% |
| Q4 2024 | 24.91% | 24.91% | 25.56% | 10.47% | -0.03% |
| Q1 2025 | 24.92% | 24.92% | 25.55% | 10.99% | -0.21% |
| Q2 2025 | 24.39% | 24.39% | 25.09% | 10.84% | -0.28% |
| Q3 2025 | 24.92% | 24.92% | 25.76% | 10.95% | -0.34% |
| Q4 2025 | 24.97% | 24.97% | 25.36% | 11.17% | -0.07% |
| Q1 2026 | 25.30% | 25.30% | 25.78% | 11.39% | -0.30% |
| Q2 2026 | 26.12% | 26.12% | 26.60% | 11.42% | 0.37% |
Dalhart Federal Savings & Loan Association, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dalhart Federal Savings & Loan Association, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dalhart Federal Savings & Loan Association, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29208) · FFIEC NIC profile (RSSD 971070)