Cross Plains, TX · Cert 11903
FDIC · 3 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=214 to 217). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
63
Profitability
32
Liquidity
28
Efficiency
32
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.
Cross Plains, TX · Cert 11903
FDIC · 3 branches
Q3 2025
Market Position · San Antonio-New Braunfels, TX · 2025 SOD (annual) · 0.1% share · #36 of 68 inst. · $0.1B of $174.9B
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.69% | 0.70% | 0.51% | 0.08% | -2.03% | -0.34% | 0.21% | -29 bps | |
| Return on Equity | 9.04% | 7.64% | 7.79% | 5.54% | 0.81% | -18.35% | -2.94% | 1.82% | -373 bps | |
| Net Interest Margin | 3.71% | 3.56% | 3.61% | 3.72% | 3.98% | 4.34% | 4.50% | 4.73% | +101 bps | |
| Efficiency Ratio | 74.92% | 77.11% | 76.68% | 74.67% | 73.10% | 68.57% | 71.05% | 70.31% | -436 bps | |
| Non-Interest Burden | 2.67% | 2.66% | 2.68% | 2.68% | 2.80% | 2.77% | 3.00% | 3.12% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 4.50% | 2.42% | 1.01% | -4.85% | -5.07% | -1.97% | 2.46% | +145 bps | |
| Loan Growth (YoY) | 12.86% | 8.96% | 12.39% | 13.76% | 9.08% | 9.66% | 1.64% | 2.17% | -1,158 bps | |
| Deposit Growth (YoY) | -1.19% | -5.05% | -7.35% | -0.89% | -0.46% | 1.20% | 4.87% | 6.21% | +710 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.25% | 0.24% | 0.13% | 0.11% | 0.08% | 0.19% | 0.07% | -6 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.06% | 0.03% | 0.02% | 0.02% | 0.02% | 0.03% | 0.02% | 0 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.03% | 1.04% | 1.06% | 1.09% | 1.10% | 1.11% | +7 bps | |
| Allowance Coverage of NPLs | 4.3x | 4.5x | 4.2x | 7.7x | 9.6x | 13.0x | 5.9x | 15.8x | +8.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 9.97% | 9.95% | 9.78% | 9.85% | 9.45% | 9.60% | 9.94% | +15 bps | |
| Total Risk-Based Capital | 17.32% | 16.77% | 15.86% | 15.40% | 15.54% | 14.49% | 15.20% | 15.22% | -18 bps | |
| Equity / Assets | 9.28% | 8.82% | 8.99% | 9.52% | 10.12% | 12.00% | 12.33% | 12.35% | +283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.26% | 77.60% | 85.80% | 87.94% | 85.76% | 84.08% | 83.16% | 84.60% | -334 bps | |
| Liquid Assets / Assets | 16.21% | 18.99% | 14.72% | 18.37% | 21.24% | 21.81% | 22.48% | 21.79% | +342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 478% | n/a | n/a |
Cross Plains, TX · Cert 11903 · Peer group: banks under $1B in assets in TX (n=214-217)
FDIC · 3 branches
Q3 2025
Return on Assets
0.21%
Rank 207 of 217
Net Interest Margin
4.73%
Rank 31 of 217
Efficiency Ratio
70.31%
Rank 149 of 217
Equity / Assets
12.35%
Rank 64 of 217
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.21% | 0.78% | 1.13% | 1.52% | Beats 5% | 207 / 217 | ||
| Return on Equity | 1.67% | 7.76% | 10.63% | 14.06% | Beats 5% | 207 / 217 | ||
| Net Interest Margin | 4.73% | 3.16% | 3.72% | 4.30% | Beats 86% | 31 / 217 | ||
| Efficiency Ratio | 70.31% | 53.69% | 62.92% | 73.15% | Beats 32% | 149 / 217 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.02% | 0.28% | 1.04% | Beats 66% | 74 / 214 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.03% | 0.11% | Beats 59% | 90 / 214 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.97% | 12.03% | 14.93% | 19.03% | Beats 43% | 123 / 217 | ||
| Total Risk-Based Capital Ratio | 15.22% | 12.18% | 15.39% | 20.29% | Beats 47% | 114 / 217 | ||
| Equity / Assets | 12.35% | 9.27% | 10.83% | 12.82% | Beats 71% | 64 / 217 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.60% | 48.19% | 68.98% | 82.00% | 81st pctl | 41 / 214 | ||
| Loans / Assets | 73.10% | 41.90% | 59.52% | 69.03% | 82nd pctl | 39 / 214 | ||
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | n/a | Beats 100% | 168 / 214 | n/a | |