Cranfills Gap, TX · Cert 11932 · Bosque Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 1.7% share · #15 of 28 inst. · $0.1B of $8.9B
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 | 1.12% | 0.89% | 0.78% | 0.72% | 0.88% | 0.99% | 1.10% | 1.17% | +46 bps | |
| Return on Equity | 31.67% | 24.52% | 22.40% | 18.25% | 20.08% | 19.31% | 20.67% | 22.62% | +436 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.07% | 2.99% | 3.01% | 3.24% | 3.25% | 3.32% | +33 bps | |
| Efficiency Ratio | 67.59% | 72.15% | 74.10% | 75.24% | 70.17% | 67.73% | 65.35% | 64.16% | -1,108 bps | |
| Non-Interest Burden | 1.59% | 1.97% | 2.08% | 2.08% | 1.89% | 1.93% | 1.84% | 1.85% | -23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.94% | 3.36% | 2.98% | 10.21% | 11.90% | 7.76% | 4.76% | -1.59% | -1,180 bps | |
| Loan Growth (YoY) | 5.09% | -0.03% | -4.91% | -6.00% | -3.09% | -0.35% | 0.26% | 3.99% | +1,000 bps | |
| Deposit Growth (YoY) | -2.50% | 0.96% | 4.91% | 4.22% | 8.45% | 3.87% | 3.24% | 6.57% | +234 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.10% | 0.00% | 0.11% | 0.46% | 0.02% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.04% | 0.02% | 0.08% | 0.03% | 0.01% | 0.01% | 0.04% | -4 bps | |
| Allowance / Loans | 1.05% | 1.04% | 1.06% | 1.07% | 1.04% | 1.02% | 1.05% | 1.02% | -5 bps | |
| Allowance Coverage of NPLs | 155.8x | 192.8x | 11.0x | 251.0x | 9.7x | 2.2x | 68.8x | 68.2x | -182.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.66% | 7.53% | 7.51% | 7.40% | 7.28% | 7.45% | 7.63% | 7.60% | +20 bps | |
| Total Risk-Based Capital | 19.73% | 19.94% | 20.53% | 19.86% | 20.05% | 20.10% | 20.69% | 20.97% | +111 bps | |
| Equity / Assets | 4.38% | 2.91% | 4.05% | 3.80% | 4.97% | 5.33% | 5.34% | 5.03% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.19% | 45.79% | 43.65% | 43.44% | 43.07% | 43.93% | 42.39% | 42.39% | -105 bps | |
| Liquid Assets / Assets | 14.71% | 14.95% | 14.92% | 15.08% | 16.34% | 13.89% | 14.85% | 14.67% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 70.56% | 71.79% | 68.01% | n/a | n/a | |