Haskell, TX · Cert 14399 · Haskell Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 0.5% share · #16 of 18 inst. · $0.0B of $5.5B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.59% | 0.58% | 0.80% | 0.85% | +33 bps | |
| Return on Equity | 4.78% | 5.28% | 5.07% | 6.63% | 6.94% | +216 bps | |
| Net Interest Margin | 3.17% | 3.26% | 3.34% | 3.32% | 3.63% | +46 bps | |
| Efficiency Ratio | 82.55% | 80.40% | 81.34% | 76.10% | 75.32% | -723 bps | |
| Non-Interest Burden | 2.50% | 2.49% | 2.60% | 2.31% | 2.56% | +5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.71% | -2.41% | 0.05% | 4.23% | -0.70% | +1 bps | |
| Loan Growth (YoY) | -0.37% | 2.86% | 5.67% | -1.79% | -2.64% | -227 bps | |
| Deposit Growth (YoY) | -3.39% | -4.51% | -2.25% | 3.12% | -2.08% | +131 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.09% | 0.18% | 0.00% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.18% | 1.14% | 1.20% | 1.30% | 1.25% | +7 bps | |
| Allowance Coverage of NPLs | 18.9x | 12.5x | 6.8x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.36% | 13.41% | 13.33% | 13.29% | 13.57% | +21 bps | |
| Total Risk-Based Capital | 30.98% | 30.15% | 30.63% | 32.95% | 34.17% | +319 bps | |
| Equity / Assets | 11.50% | 12.01% | 12.12% | 11.99% | 12.67% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.72% | 42.39% | 40.19% | 36.18% | 39.49% | -23 bps | |
| Liquid Assets / Assets | 7.74% | 9.31% | 16.97% | 30.61% | 11.78% | +404 bps | |
| CRE / Total Capital | n/a | 62.14% | 51.05% | 42.82% | n/a | n/a | |