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 | |