Del Rio, TX · Cert 1184 · Westex Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
56
Profitability
64
Liquidity
63
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Del Rio, TX · Cert 1184 · Westex Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 2.3% share · #11 of 15 inst. · $0.1B of $3.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.13% | 1.14% | 1.24% | 1.19% | 1.24% | 1.16% | 1.22% | -2 bps | |
| Return on Equity | 15.04% | 14.83% | 14.70% | 15.95% | 15.11% | 15.51% | 13.75% | 14.36% | -159 bps | |
| Net Interest Margin | 3.88% | 3.74% | 3.89% | 3.94% | 3.94% | 3.88% | 4.09% | 4.17% | +23 bps | |
| Efficiency Ratio | 71.81% | 72.58% | 73.28% | 71.35% | 72.25% | 71.66% | 73.64% | 72.31% | +96 bps | |
| Non-Interest Burden | 2.35% | 2.30% | 2.42% | 2.36% | 2.40% | 2.33% | 2.56% | 2.53% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 0.07% | 4.47% | 7.75% | 9.93% | 8.73% | 3.95% | 2.94% | -480 bps | |
| Loan Growth (YoY) | 6.86% | 4.56% | 3.18% | 3.21% | 2.84% | 4.57% | 8.92% | 10.70% | +749 bps | |
| Deposit Growth (YoY) | -3.58% | -0.41% | 3.88% | 7.53% | 10.41% | 7.78% | 3.21% | 2.05% | -548 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.05% | 0.05% | 0.00% | 0.06% | 0.05% | 0.05% | -1 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.01% | 0.01% | 0.02% | 0 bps | |
| Allowance / Loans | 1.12% | 1.13% | 1.16% | 1.15% | 1.15% | 1.15% | 1.12% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 19.9x | 20.4x | 21.2x | 21.7x | n/a | 19.2x | 23.9x | 24.8x | +3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.18% | 9.74% | 9.86% | 9.85% | 9.79% | 9.61% | 9.95% | 9.96% | +11 bps | |
| Total Risk-Based Capital | 18.37% | 19.14% | 19.32% | 19.19% | 19.08% | 18.95% | 18.59% | 18.40% | -78 bps | |
| Equity / Assets | 8.55% | 7.65% | 7.81% | 7.80% | 8.22% | 8.42% | 8.49% | 8.59% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.80% | 72.40% | 69.03% | 69.24% | 68.74% | 70.24% | 72.84% | 75.11% | +587 bps | |
| Liquid Assets / Assets | 0.56% | 3.68% | 7.91% | 8.14% | 6.50% | 5.27% | 3.01% | 1.87% | -626 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 168.18% | 177.80% | 176.03% | n/a | n/a | |
Del Rio, TX · Cert 1184 · Peer group: banks under $1B in assets in TX (n=208-211) · Westex Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
Return on Assets
1.22%
Rank 100 of 211
Net Interest Margin
4.17%
Rank 69 of 211
Efficiency Ratio
72.31%
Rank 151 of 211
Equity / Assets
8.59%
Rank 186 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.87% | 1.20% | 1.65% | Beats 53% | 100 / 211 | ||
| Return on Equity | 14.20% | 7.52% | 11.67% | 14.58% | Beats 73% | 58 / 211 | ||
| Net Interest Margin | 4.17% | 3.28% | 3.82% | 4.31% | Beats 67% | 69 / 211 | ||
| Efficiency Ratio | 72.31% | 53.01% | 64.18% | 73.65% | Beats 29% | 151 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 69% | 65 / 208 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 43% | 119 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.15% | 11.72% | 14.45% | 19.57% | Beats 67% | 70 / 211 | ||
| Total Risk-Based Capital Ratio | 18.40% | 11.94% | 14.78% | 20.30% | Beats 69% | 66 / 211 | ||
| Equity / Assets | 8.59% | 9.41% | 11.06% | 12.94% | Beats 12% | 186 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.11% | 45.39% | 66.56% | 82.03% | 64th pctl | 75 / 208 | ||
| Loans / Assets | 68.10% | 39.13% | 56.90% | 70.46% | 71st pctl | 62 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||