Pearsall, TX · Cert 1497 · Briscoe Ranch Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (16 in holding)
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.2% share · #20 of 66 inst. · $0.3B of $175.0B
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 | 0.84% | 0.91% | 1.17% | 1.27% | 1.26% | 1.26% | 1.33% | 1.37% | +10 bps | |
| Return on Equity | 8.57% | 9.30% | 12.01% | 12.67% | 12.20% | 12.08% | 13.33% | 13.93% | +127 bps | |
| Net Interest Margin | 2.37% | 2.35% | 2.70% | 2.86% | 2.88% | 2.86% | 2.97% | 2.73% | -13 bps | |
| Efficiency Ratio | 58.56% | 56.77% | 51.61% | 49.99% | 49.89% | 50.30% | 47.88% | 46.08% | -391 bps | |
| Non-Interest Burden | 1.28% | 1.22% | 1.28% | 1.30% | 1.30% | 1.31% | 1.29% | 1.14% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.16% | 5.46% | 2.71% | 2.24% | 2.62% | 2.55% | 24.83% | 26.36% | +2,411 bps | |
| Loan Growth (YoY) | 20.96% | 16.75% | 12.92% | 6.92% | 4.00% | 2.16% | 2.62% | 3.23% | -368 bps | |
| Deposit Growth (YoY) | 7.91% | 5.61% | 1.95% | 1.30% | 1.66% | 0.97% | 25.92% | 27.84% | +2,654 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.66% | 0.21% | 0.08% | 0.91% | 0.89% | 0.89% | 0.00% | -7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.04% | +3 bps | |
| Allowance / Loans | 0.88% | 0.88% | 0.88% | 0.86% | 0.88% | 0.88% | 0.90% | 0.89% | +3 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 4.2x | 11.4x | 1.0x | 1.0x | 1.0x | 633.4x | +622.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 11.66% | 11.91% | 12.50% | 12.77% | 12.43% | 11.76% | 10.74% | -176 bps | |
| Total Risk-Based Capital | 12.21% | 11.66% | 11.91% | 12.50% | 12.77% | 12.43% | 11.76% | 10.74% | -176 bps | |
| Equity / Assets | 10.63% | 9.40% | 10.11% | 10.52% | 11.45% | 10.78% | 9.36% | 9.50% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.71% | 65.09% | 66.73% | 68.34% | 70.29% | 65.86% | 54.38% | 55.19% | -1,315 bps | |
| Liquid Assets / Assets | 0.12% | 0.11% | 0.11% | 0.03% | 0.01% | 0.00% | 22.60% | 19.22% | +1,919 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 327% | 333% | 322% | n/a | n/a | |