Abernathy, TX · Cert 11175 · Turner Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 0.7% share · #15 of 18 inst. · $0.0B of $5.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | -0.48% | 1.47% | 2.01% | 2.13% | 2.68% | 1.26% | 2.15% | +14 bps | |
| Return on Equity | 10.02% | -3.80% | 12.19% | 16.17% | 16.75% | 21.13% | 9.87% | 16.25% | +8 bps | |
| Net Interest Margin | 5.90% | 5.72% | 5.77% | 6.31% | 6.67% | 6.34% | 6.19% | 6.84% | +53 bps | |
| Efficiency Ratio | 76.10% | 89.91% | 73.41% | 63.99% | 63.62% | 56.98% | 71.15% | 64.69% | +70 bps | |
| Non-Interest Burden | 4.18% | 5.01% | 4.01% | 3.78% | 4.02% | 2.55% | 4.18% | 4.02% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.79% | 12.98% | 19.79% | 17.34% | 12.83% | 12.93% | 5.37% | 4.37% | -1,297 bps | |
| Loan Growth (YoY) | 15.84% | 21.33% | 32.94% | 28.38% | 19.67% | 16.04% | 8.38% | 8.44% | -1,994 bps | |
| Deposit Growth (YoY) | 14.40% | 6.91% | 11.84% | 8.53% | 27.49% | 27.91% | 24.02% | 24.68% | +1,615 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.00% | 0.21% | 0.41% | 4.81% | 1.25% | 1.63% | 2.13% | +172 bps | |
| Net Charge-Offs / Loans | 0.24% | 1.06% | -0.15% | -0.15% | 0.08% | 1.21% | -0.05% | -0.07% | +8 bps | |
| Allowance / Loans | 1.13% | 1.31% | 1.28% | 1.33% | 1.30% | 1.04% | 1.23% | 1.26% | -7 bps | |
| Allowance Coverage of NPLs | 6.3x | n/a | 6.0x | 3.2x | 0.3x | 0.8x | 0.8x | 0.6x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.00% | 12.54% | 12.54% | 12.83% | 12.66% | 12.95% | 12.49% | 13.46% | +63 bps | |
| Total Risk-Based Capital | 18.56% | 18.08% | 17.01% | 17.26% | 16.74% | 16.93% | 16.66% | 16.92% | -34 bps | |
| Equity / Assets | 13.19% | 11.96% | 12.13% | 12.72% | 12.70% | 12.63% | 12.97% | 13.54% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.18% | 100.27% | 102.40% | 105.22% | 94.97% | 90.97% | 89.49% | 91.51% | -1,371 bps | |
| Liquid Assets / Assets | 2.03% | 5.89% | 0.22% | 0.18% | 2.40% | 4.60% | 3.58% | 0.68% | +50 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 159.90% | 157.66% | 147.80% | n/a | n/a | |