Orange, TX · Cert 11922 · County Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 1.5% share · #13 of 20 inst. · $0.1B of $7.7B
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 | 1.18% | 0.89% | 0.45% | -0.58% | 0.68% | 0.94% | 0.82% | 0.07% | +65 bps | |
| Return on Equity | 10.70% | 8.52% | 4.58% | -6.10% | 7.10% | 9.60% | 8.13% | 0.74% | +683 bps | |
| Net Interest Margin | 4.67% | 4.25% | 3.89% | 4.22% | 4.66% | 4.91% | 4.86% | 4.54% | +32 bps | |
| Efficiency Ratio | 68.54% | 73.53% | 82.85% | 78.75% | 71.19% | 63.69% | 68.18% | 77.82% | -93 bps | |
| Non-Interest Burden | 3.10% | 3.06% | 3.20% | 3.27% | 3.24% | 3.02% | 3.22% | 3.50% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.24% | 20.44% | 17.25% | 22.73% | 19.86% | 9.24% | 0.51% | 1.07% | -2,166 bps | |
| Loan Growth (YoY) | 13.15% | 18.81% | 14.02% | 6.18% | 20.40% | 23.66% | 19.64% | 22.57% | +1,638 bps | |
| Deposit Growth (YoY) | 12.23% | 28.96% | 23.55% | 29.13% | 21.55% | 9.17% | -0.29% | 0.44% | -2,869 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.65% | 0.64% | 0.94% | 1.00% | 0.83% | 0.47% | 2.85% | +190 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.38% | -0.01% | 0.54% | 0.25% | 0.40% | 1.98% | 1.02% | +48 bps | |
| Allowance / Loans | 0.98% | 0.95% | 0.98% | 1.43% | 1.40% | 1.39% | 1.12% | 1.11% | -32 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.5x | 1.5x | 1.5x | 1.4x | 1.7x | 2.4x | 0.4x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.33% | 9.49% | 8.76% | 8.69% | 9.05% | 9.11% | 9.11% | 9.20% | +51 bps | |
| Total Risk-Based Capital | 10.33% | 9.49% | 8.76% | 8.69% | 9.05% | 9.11% | 9.11% | 9.20% | +51 bps | |
| Equity / Assets | 11.13% | 9.86% | 9.60% | 9.36% | 9.85% | 9.83% | 10.30% | 9.87% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.42% | 69.88% | 69.27% | 67.22% | 74.70% | 79.16% | 83.12% | 82.03% | +1,481 bps | |
| Liquid Assets / Assets | 15.16% | 16.44% | 14.52% | 18.15% | 11.81% | 9.51% | 8.46% | 10.55% | -760 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 454% | 484% | 486% | n/a | n/a | |