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 (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 | 1.10% | 1.09% | 1.14% | 1.33% | 1.10% | 1.36% | 1.16% | 1.28% | -5 bps | |
| Return on Equity | 13.58% | 13.40% | 14.70% | 17.05% | 13.76% | 16.32% | 13.75% | 15.03% | -203 bps | |
| Net Interest Margin | 3.86% | 3.90% | 3.89% | 4.04% | 4.04% | 4.06% | 4.09% | 4.30% | +26 bps | |
| Efficiency Ratio | 73.12% | 74.75% | 73.28% | 69.49% | 73.97% | 70.00% | 73.64% | 71.06% | +156 bps | |
| Non-Interest Burden | 2.38% | 2.52% | 2.42% | 2.32% | 2.56% | 2.33% | 2.56% | 2.53% | +21 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 | 0.04% | 0.03% | 0.03% | 0.01% | 0.02% | -0.02% | 0.01% | 0.03% | +2 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 | |