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Stockmens National Bank in Cotulla

Cotulla, TX · Cert 14864

National charter · OCC · 1 branch

Q2 2026

$124.1MAssets
$25.1MLoans
$111.7MDeposits
$12.2MEquity
Loan mix
62%RE $14.0M21%C&I $4.7M17%Consumer $3.9MQ2 2025Q2 2026
Deposit mix
60%Interest-bearing $66.8M40%Noninterest $44.9MQ2 2025Q2 2026

NIM

4.14%Q2 ’244.16%Q2 ’254.30%Q2 ’260%+3%

Non-interest income vs. expense

1.81%Q2 ’241.96%Q2 ’251.91%Q2 ’26+18%0%

Executive Summary

  • Earnings: ROA of 1.33%, up 10 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (-345 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.62%, down 70 bps from a year ago.
  • Funding: loans stand at 22.51% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.33%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+11 bps YoY

Efficiency Ratio (YTD, annualized)

52.56%-222 bps YoY

Tier 1 Leverage Ratio

10.62%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.26%1.26%1.44%1.33%+10 bps
Return on Equity13.17%12.92%13.08%15.01%13.75%+58 bps
Net Interest Margin3.18%3.12%2.95%3.42%3.29%+11 bps
Efficiency Ratio54.78%53.69%53.19%51.13%52.56%-222 bps
Non-Interest Burden1.56%1.50%1.41%1.58%1.56%0 bps
Growth
Asset Growth (YoY)5.57%11.32%2.66%10.45%12.69%+712 bps
Loan Growth (YoY)-1.23%-8.97%-2.34%-20.10%-16.16%-1,493 bps
Deposit Growth (YoY)4.66%11.27%1.19%10.27%13.36%+870 bps
Asset Quality
Nonperforming Loans / Loans3.45%3.72%3.71%0.00%0.00%-345 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.03%-0.03%-0.02%0 bps
Allowance / Loans0.94%0.99%0.99%1.16%1.15%+21 bps
Allowance Coverage of NPLs0.3x0.3x0.3xn/an/an/a
Capital
Tier 1 Leverage Ratio11.32%11.48%9.85%10.11%10.62%-70 bps
Total Risk-Based Capital11.32%11.48%9.85%10.11%10.62%-70 bps
Equity / Assets10.40%10.92%9.31%9.91%9.87%-52 bps
Liquidity & Funding
Loans / Deposits30.43%27.83%25.48%22.71%22.51%-793 bps
Liquid Assets / Assets16.42%17.24%25.76%23.73%22.92%+649 bps
CRE / Total Capitaln/a76.19%88.03%66.45%n/an/a