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Crowell State Bank

Crowell, TX · Cert 10352 · Crowell Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$57.5MAssets
$28.6MLoans
$51.0MDeposits
$6.0MEquity
Loan mix
58%RE $12.7M29%C&I $6.3M14%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $28.7M44%Noninterest $22.3MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.95%, up 20 bps year over year; NIM at 4.80%.
  • Asset quality: problem loans at 0.89% of loans (+89 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 10.99%, up 36 bps from a year ago.
  • Funding: loans stand at 56.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.95%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.80%+16 bps YoY

Efficiency Ratio (YTD, annualized)

52.51%-478 bps YoY

Tier 1 Leverage Ratio

10.99%+36 bps YoY

NIM

5.42%Q2 ’245.69%Q2 ’255.81%Q2 ’26+4%+3%

Non-interest income vs. expense

3.14%Q2 ’243.02%Q2 ’252.80%Q2 ’26-2%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.49%1.34%1.70%1.75%1.84%1.64%2.04%1.95%+20 bps
Return on Equity14.20%12.98%17.07%17.44%17.72%15.75%19.56%18.68%+125 bps
Net Interest Margin4.68%4.44%4.52%4.65%4.76%4.94%4.86%4.80%+16 bps
Efficiency Ratio60.28%63.88%56.51%57.28%55.59%59.78%51.93%52.51%-478 bps
Non-Interest Burden2.52%2.58%2.29%2.39%2.37%2.69%2.24%2.27%-12 bps
Growth
Asset Growth (YoY)-0.11%10.68%13.68%9.78%16.68%5.86%5.39%3.78%-600 bps
Loan Growth (YoY)0.00%0.42%5.76%12.18%8.46%14.47%11.74%9.55%-263 bps
Deposit Growth (YoY)-1.92%10.78%13.90%9.36%17.26%5.03%4.95%3.41%-595 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.32%0.22%0.00%0.15%0.15%0.65%0.89%+89 bps
Net Charge-Offs / Loans0.89%0.74%0.24%-0.26%-0.16%-0.02%0.00%0.07%+33 bps
Allowance / Loans0.75%0.78%0.70%0.92%0.97%0.96%0.91%0.98%+6 bps
Allowance Coverage of NPLs3.1x2.4x3.1xn/a6.6x6.5x1.4x1.1xn/a
Capital
Tier 1 Leverage Ratio11.98%10.70%10.55%10.63%11.12%10.70%10.93%10.99%+36 bps
Total Risk-Based Capital11.98%10.70%10.55%10.63%11.12%10.70%10.93%10.99%+36 bps
Equity / Assets11.79%9.79%10.06%10.30%11.37%10.43%10.40%10.52%+22 bps
Liquidity & Funding
Loans / Deposits61.60%53.46%55.15%52.97%56.97%58.27%58.72%56.11%+315 bps
Liquid Assets / Assets16.85%17.91%17.45%21.19%19.98%17.82%19.93%19.50%-169 bps
CRE / Total Capitaln/an/an/an/a31.29%34.01%32.85%n/an/a