PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Coastal Bend P O

Victoria, TX · Charter 11164

NCUA · 1 branch

Q2 2026

$12.5MAssets
$4.0MLoans
$9.1MShares
$3.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, down 557 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 3.73% of loans (+343 bps YoY).
  • Capital: net worth / assets of 27.13%, up 257 bps from a year ago.
  • Funding: loans stand at 43.81% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.15%-557 bps YoY

Net Interest Margin (quarter, annualized)

2.66%-488 bps YoY

Efficiency Ratio (quarter, annualized)

86.62%+6,019 bps YoY

Net Worth / Assets

27.13%+257 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.13%11.01%5.72%3.75%2.86%0.26%0.15%-557 bps
Return on Equity0.63%-0.58%45.51%23.28%15.25%11.52%1.03%0.54%-2,274 bps
Net Interest Margin1.82%1.72%13.29%7.54%5.72%4.95%2.60%2.66%-488 bps
Efficiency Ratio93.36%104.48%16.32%26.43%36.84%43.74%90.93%86.62%+6,019 bps
Growth
Asset Growth (YoY)4.62%-2.64%-8.44%-9.65%-11.84%-7.21%-3.99%-5.94%+371 bps
Loan Growth (YoY)3.95%0.25%-3.49%-4.75%-10.42%-8.34%-9.45%-13.33%-858 bps
Share Growth (YoY)4.65%-2.94%-11.39%-12.77%-15.27%-10.53%-5.50%-9.23%+354 bps
Asset Quality
Delinquent Loans / Loans0.98%1.24%1.16%0.30%0.64%1.00%0.98%3.73%+343 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.12%22.38%24.19%24.57%24.58%24.86%25.23%27.13%+257 bps
Net Worth / Assets21.12%22.38%24.19%24.57%24.58%24.86%25.23%27.13%+257 bps
Liquidity & Funding
Loans / Shares42.11%44.06%45.84%45.88%44.52%45.14%43.92%43.81%-207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps