Moulton, TX · Cert 12299 · Southern Bancshares Inc.
SI · FDIC · 16 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.5% share · #29 of 73 inst. · $0.3B of $70.4B
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 | 1.41% | 1.40% | 1.53% | 1.54% | 1.57% | 1.59% | 1.54% | 1.55% | +1 bps | |
| Return on Equity | 12.39% | 12.13% | 12.63% | 12.66% | 12.87% | 12.90% | 12.21% | 12.33% | -33 bps | |
| Net Interest Margin | 4.15% | 4.21% | 4.27% | 4.20% | 4.31% | 4.32% | 4.34% | 4.33% | +13 bps | |
| Efficiency Ratio | 59.03% | 59.81% | 57.37% | 57.23% | 56.91% | 56.90% | 58.04% | 57.95% | +72 bps | |
| Non-Interest Burden | 2.35% | 2.42% | 2.35% | 2.30% | 2.34% | 2.35% | 2.40% | 2.38% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.35% | -3.14% | 3.21% | 3.87% | 7.32% | 9.53% | 5.76% | 8.32% | +444 bps | |
| Loan Growth (YoY) | -2.78% | -2.23% | -1.25% | 3.27% | 5.16% | 10.65% | 4.94% | 7.62% | +434 bps | |
| Deposit Growth (YoY) | -2.33% | -0.21% | 11.06% | 13.58% | 14.34% | 13.14% | 5.83% | 9.22% | -436 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.15% | 0.25% | 0.72% | 0.76% | 0.78% | 1.18% | 0.62% | -10 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | 0.06% | +6 bps | |
| Allowance / Loans | 0.81% | 0.83% | 0.81% | 0.78% | 0.79% | 0.77% | 0.77% | 0.72% | -6 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.7x | 3.2x | 1.1x | 1.0x | 1.0x | 0.7x | 1.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.79% | 13.12% | 13.04% | 12.82% | 13.06% | 13.19% | 13.27% | 13.28% | +46 bps | |
| Total Risk-Based Capital | 18.99% | 19.63% | 19.19% | 18.73% | 19.03% | 19.04% | 19.33% | 13.28% | -545 bps | |
| Equity / Assets | 12.14% | 12.36% | 11.92% | 12.16% | 12.43% | 12.79% | 12.51% | 12.47% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.87% | 97.19% | 89.58% | 93.98% | 91.86% | 95.05% | 88.83% | 92.61% | -138 bps | |
| Liquid Assets / Assets | 4.24% | 4.12% | 8.66% | 5.48% | 7.58% | 4.48% | 9.48% | 6.05% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 212% | 211% | 199.67% | n/a | n/a | |