Crowell, TX · Cert 10352 · Crowell Bancshares Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.98% | 1.03% | 2.04% | 1.86% | +6 bps | |
| Return on Equity | 17.73% | 18.26% | 9.42% | 19.56% | 17.79% | +6 bps | |
| Net Interest Margin | 4.91% | 4.96% | 5.15% | 4.86% | 4.89% | -1 bps | |
| Efficiency Ratio | 57.97% | 52.37% | 71.82% | 51.93% | 53.07% | -490 bps | |
| Non-Interest Burden | 2.56% | 2.29% | 3.52% | 2.24% | 2.37% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.78% | 16.68% | 5.86% | 5.39% | 3.78% | -600 bps | |
| Loan Growth (YoY) | 12.18% | 8.46% | 14.47% | 11.74% | 9.55% | -263 bps | |
| Deposit Growth (YoY) | 9.36% | 17.26% | 5.03% | 4.95% | 3.41% | -595 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.15% | 0.15% | 0.65% | 0.89% | +89 bps | |
| Net Charge-Offs / Loans | -0.77% | 0.05% | 0.37% | 0.00% | 0.14% | +91 bps | |
| Allowance / Loans | 0.92% | 0.97% | 0.96% | 0.91% | 0.98% | +6 bps | |
| Allowance Coverage of NPLs | n/a | 6.6x | 6.5x | 1.4x | 1.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.63% | 11.12% | 10.70% | 10.93% | 10.99% | +36 bps | |
| Total Risk-Based Capital | 10.63% | 11.12% | 10.70% | 10.93% | 10.99% | +36 bps | |
| Equity / Assets | 10.30% | 11.37% | 10.43% | 10.40% | 10.52% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.97% | 56.97% | 58.27% | 58.72% | 56.11% | +315 bps | |
| Liquid Assets / Assets | 21.19% | 19.98% | 17.82% | 19.93% | 19.50% | -169 bps | |
| CRE / Total Capital | n/a | 31.29% | 34.01% | 32.85% | n/a | n/a | |