Wellington, TX · Cert 1219 · WSB Bancshares Inc.
State charter, Fed member · FED · 14 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
45
Asset Quality
15
Profitability
44
Liquidity
75
Efficiency
50
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.
Wellington, TX · Cert 1219 · WSB Bancshares Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 0.3% share · #26 of 31 inst. · $0.0B of $14.3B
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 | 0.43% | 0.58% | 0.73% | 0.75% | 0.67% | 0.69% | 0.95% | 1.00% | +25 bps | |
| Return on Equity | 6.62% | 8.88% | 11.03% | 11.09% | 9.54% | 9.57% | 12.31% | 13.07% | +199 bps | |
| Net Interest Margin | 3.02% | 3.07% | 3.09% | 3.25% | 3.15% | 3.02% | 3.32% | 3.46% | +22 bps | |
| Efficiency Ratio | 82.41% | 78.20% | 73.10% | 72.84% | 74.39% | 73.58% | 64.32% | 64.18% | -866 bps | |
| Non-Interest Burden | 2.41% | 2.31% | 2.12% | 2.24% | 2.23% | 2.12% | 1.99% | 2.07% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.84% | 4.15% | -0.13% | 4.97% | 7.68% | 10.25% | 9.31% | 10.25% | +528 bps | |
| Loan Growth (YoY) | -1.79% | 0.98% | -0.36% | -1.20% | -2.84% | -2.55% | -0.66% | -1.86% | -66 bps | |
| Deposit Growth (YoY) | 13.14% | 10.75% | 4.81% | 5.41% | 8.41% | 8.82% | 8.52% | 9.72% | +431 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.05% | 0.46% | 4.73% | 4.97% | 6.07% | 7.17% | 6.57% | 5.27% | +30 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.04% | -0.08% | 0.34% | 0.23% | 0.22% | 0.05% | 0.06% | -28 bps | |
| Allowance / Loans | 1.41% | 1.39% | 1.49% | 1.30% | 1.39% | 1.36% | 1.43% | 1.46% | +15 bps | |
| Allowance Coverage of NPLs | 0.7x | 3.1x | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.53% | 9.56% | 9.61% | 9.80% | 9.78% | 9.43% | 9.38% | 9.55% | -25 bps | |
| Total Risk-Based Capital | 15.05% | 15.24% | 15.99% | 16.13% | 15.76% | 16.74% | 17.16% | 17.79% | +166 bps | |
| Equity / Assets | 7.26% | 6.37% | 6.95% | 7.03% | 7.68% | 7.71% | 7.72% | 7.62% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.08% | 65.57% | 63.21% | 64.07% | 59.23% | 58.72% | 57.87% | 57.31% | -676 bps | |
| Liquid Assets / Assets | 4.82% | 0.86% | 5.23% | 5.05% | 9.80% | 9.81% | 8.19% | 9.83% | +478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 293% | 290% | n/a | n/a | |
Wellington, TX · Cert 1219 · Peer group: banks under $1B in assets in TX (n=208-211) · WSB Bancshares Inc.
State charter, Fed member · FED · 14 branches
Q2 2026
Return on Assets
1.00%
Rank 137 of 211
Net Interest Margin
3.46%
Rank 144 of 211
Efficiency Ratio
64.18%
Rank 106 of 211
Equity / Assets
7.62%
Rank 195 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.87% | 1.20% | 1.65% | Beats 35% | 137 / 211 | ||
| Return on Equity | 13.08% | 7.52% | 11.67% | 14.58% | Beats 65% | 74 / 211 | ||
| Net Interest Margin | 3.46% | 3.28% | 3.82% | 4.31% | Beats 32% | 144 / 211 | ||
| Efficiency Ratio | 64.18% | 53.01% | 64.18% | 73.65% | Beats 50% | 106 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.27% | 0.01% | 0.30% | 1.10% | Beats 0% | 208 / 208 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 29% | 148 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.54% | 11.72% | 14.45% | 19.57% | Beats 63% | 78 / 211 | ||
| Total Risk-Based Capital Ratio | 17.79% | 11.94% | 14.78% | 20.30% | Beats 65% | 74 / 211 | ||
| Equity / Assets | 7.62% | 9.41% | 11.06% | 12.94% | Beats 8% | 195 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.31% | 45.39% | 66.56% | 82.03% | 35th pctl | 135 / 208 | ||
| Loans / Assets | 52.07% | 39.13% | 56.90% | 70.46% | 38th pctl | 131 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||