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Dalhart Federal Savings & Loan Association, SSB

$100M-$1B Specialty: Mortgage TX FDIC cert 29208

Dalhart, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +0.8% year over year ($95.5M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 0.04%.
  • Efficiency ratio 97.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Dalhart Federal Savings & Loan Association, SSB has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 14.2% in tier
  • - Return on Assets 1.29% below tier average
  • - Net Interest Margin 0.99% below tier average
  • - Efficiency Ratio 32.61% above tier average
Get updates when Dalhart Federal Savings & Loan Association, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $126.3M
-6.4% YoY +0.6% QoQ
-$260.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 7.5% in tier
Total Loans ? $78.6M
-6.2% YoY -1.1% QoQ
-$179.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 10.0% in tier
Total Deposits ? $95.5M
+0.8% YoY +1.8% QoQ
-$231.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 4.3% in tier
Return on Assets ? 0.04%
+114.8% YoY +112.3% QoQ
-1.29% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 3.6% in tier
Net Interest Margin ? 3.00%
+19.1% YoY +2.8% QoQ
-0.99% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 9.9% in tier
Efficiency Ratio ? 97.09%
-7.6% YoY -7.4% QoQ
+32.61% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 2.8% in tier
Delinquency Rate ? 0.16%
-61.4% YoY -75.4% QoQ
-0.76% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 82.35%
-6.9% YoY -2.8% QoQ
+4.40% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 18.11%
-7.9% YoY +11.8% QoQ
-3.92% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.10%
-61.3% YoY -80.3% QoQ
-0.57% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 26.12%
+7.1% YoY +3.2% QoQ
+10.22% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 5.9% in tier
Non-Interest Income / Assets ? 0.20%
+56.2% YoY +254.1% QoQ
-0.37% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
50%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 18.1%
-1.6pp YoY
+1.9pp QoQ
 -4.0pp 22.1% 29.2% 22.2% 36%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 0.8%
-0.7pp YoY
+0.1pp QoQ
 -10.8pp 11.6% 14.8% 12.5% 3%
CRE 9.7%
-1.0pp YoY
-1.2pp QoQ
 -29.8pp 39.5% 48.4% 41.4% 5%
1-4 Family 87.7%
+1.5pp YoY
+1.3pp QoQ
 +55.1pp 32.6% 25.8% 31.3% 98%
Consumer 1.1%
-0.2pp YoY
-0.2pp QoQ
 -3.0pp 4.1% 4.7% 5.0% 31%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 26.1%
+1.7pp YoY
+0.8pp QoQ
 +7.3pp 18.8% 22.7% 19.7% 90%
Leverage Ratio 11.4%
+0.6pp YoY
0.0pp QoQ
 -0.8pp 12.2% 12.6% 12.6% 57%
Total Capital Ratio 26.6%
+1.5pp YoY
+0.8pp QoQ
 +6.7pp 19.9% 23.8% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 25
0 YoY
0 QoQ
 -34 58 186 482 19%
Assets per Employee ($) $5.1M
-6.4% YoY
+0.6% QoQ
 -$2.5M $7.5M $10.1M $8.8M 15%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
-0.2pp YoY
-0.3pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 26%
Allowance Coverage 2.03x
+74.3% YoY
+310.2% QoQ
 -22.12x 24.15x 18.82x 20.23x 48%
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 0.4%
+3.0pp YoY
+3.4pp QoQ
 -11.8pp 12.2% 13.2% 11.6% 4%
Cost of Funds (YTD) 2.4%
-0.3pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 88%
Net Income ($, YTD) $23,000
+113.9% YoY
— QoQ
 -$2.5M $2.6M $15.9M $40.4M 4%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#106 of 742 • Bottom 14.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 26.12%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.35%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

157
Tier 1 Capital Ratio
capital
Value: 26.12%
Peer Median: 15.91%
#157 of 2643 Top 5.9% in $100M-$1B

Top Weaknesses (6 metrics)

2571
Efficiency Ratio
profitability
Value: 97.09%
Peer Median: 64.48%
#2571 of 2643 Bottom 2.8% in $100M-$1B
2549
Return on Assets
profitability
Value: 0.04%
Peer Median: 1.32%
#2549 of 2643 Bottom 3.6% in $100M-$1B
2530
Total Deposits
size
Value: $95.49M
Peer Median: $326.73M
#2530 of 2643 Bottom 4.3% in $100M-$1B
2447
Total Assets
size
Value: $126.30M
Peer Median: $386.57M
#2447 of 2643 Bottom 7.5% in $100M-$1B
2382
Net Interest Margin
profitability
Value: 3.00%
Peer Median: 3.99%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2381
Total Loans
size
Value: $78.64M
Peer Median: $258.35M
#2381 of 2643 Bottom 10.0% in $100M-$1B
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