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 (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 | 0.50% | 1.09% | 0.49% | 0.56% | 0.73% | 0.53% | 0.80% | 0.89% | +34 bps | |
| Return on Equity | 5.16% | 10.71% | 4.61% | 4.92% | 6.21% | 4.38% | 6.63% | 7.24% | +232 bps | |
| Net Interest Margin | 2.95% | 3.06% | 3.04% | 3.32% | 3.47% | 3.53% | 3.32% | 3.91% | +59 bps | |
| Efficiency Ratio | 81.75% | 69.86% | 83.67% | 81.47% | 76.43% | 84.00% | 76.10% | 74.58% | -689 bps | |
| Non-Interest Burden | 2.29% | 1.71% | 2.42% | 2.60% | 2.50% | 2.86% | 2.31% | 2.78% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | -3.05% | 0.07% | -0.71% | -2.41% | 0.05% | 4.23% | -0.70% | +1 bps | |
| Loan Growth (YoY) | 14.49% | 0.09% | -3.11% | -0.37% | 2.86% | 5.67% | -1.79% | -2.64% | -227 bps | |
| Deposit Growth (YoY) | -2.70% | -5.10% | -2.58% | -3.39% | -4.51% | -2.25% | 3.12% | -2.08% | +131 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.07% | 0.06% | 0.09% | 0.18% | 0.00% | 0.00% | -6 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.12% | 1.20% | 1.21% | 1.18% | 1.14% | 1.20% | 1.30% | 1.25% | +7 bps | |
| Allowance Coverage of NPLs | 99.3x | 13.5x | 17.5x | 18.9x | 12.5x | 6.8x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.86% | 12.84% | 13.31% | 13.36% | 13.41% | 13.33% | 13.29% | 13.57% | +21 bps | |
| Total Risk-Based Capital | 29.42% | 30.83% | 31.87% | 30.98% | 30.15% | 30.63% | 32.95% | 34.17% | +319 bps | |
| Equity / Assets | 10.17% | 10.13% | 11.08% | 11.50% | 12.01% | 12.12% | 11.99% | 12.67% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.35% | 37.17% | 37.99% | 39.72% | 42.39% | 40.19% | 36.18% | 39.49% | -23 bps | |
| Liquid Assets / Assets | 6.64% | 5.33% | 9.30% | 7.74% | 9.31% | 16.97% | 30.61% | 11.78% | +404 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 62.14% | 51.05% | 42.82% | n/a | n/a | |