Hondo, TX · Cert 15345 · TXN Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.3% share · #18 of 66 inst. · $0.5B 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 | 0.35% | 0.44% | 0.08% | 0.31% | 0.61% | 0.66% | 0.95% | 0.99% | +68 bps | |
| Return on Equity | 6.69% | 8.35% | 1.29% | 4.95% | 9.22% | 9.72% | 12.38% | 12.99% | +804 bps | |
| Net Interest Margin | 2.19% | 2.29% | 2.60% | 2.69% | 2.74% | 2.79% | 3.01% | 2.97% | +28 bps | |
| Efficiency Ratio | 83.03% | 80.28% | 84.02% | 76.05% | 73.42% | 75.26% | 69.82% | 69.04% | -701 bps | |
| Non-Interest Burden | 1.72% | 1.72% | 2.11% | 1.91% | 1.85% | 1.95% | 1.90% | 1.83% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | -3.51% | -7.43% | -3.56% | -2.67% | 6.28% | 6.57% | 5.93% | +949 bps | |
| Loan Growth (YoY) | 0.87% | 4.37% | 7.89% | 10.26% | 11.46% | 9.68% | 6.09% | 1.06% | -920 bps | |
| Deposit Growth (YoY) | -1.82% | 1.84% | 0.33% | 5.32% | 6.75% | 6.24% | 5.45% | 4.53% | -79 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.53% | 0.96% | 1.10% | 1.23% | 1.15% | 1.09% | 0.98% | -12 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.06% | 0.01% | 0.16% | 0.15% | 0.16% | 0.06% | 0.06% | -10 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.35% | 1.42% | 1.24% | 1.31% | 1.32% | 1.32% | -10 bps | |
| Allowance Coverage of NPLs | 16.0x | 2.5x | 1.4x | 1.3x | 1.0x | 1.1x | 1.2x | 1.3x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.09% | 9.36% | 9.65% | 9.64% | 9.68% | 9.68% | 9.81% | 9.68% | +4 bps | |
| Total Risk-Based Capital | 17.19% | 17.22% | 16.86% | 16.55% | 16.35% | 16.89% | 17.28% | 9.68% | -687 bps | |
| Equity / Assets | 6.11% | 5.36% | 6.75% | 6.65% | 7.51% | 7.72% | 7.58% | 7.66% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.67% | 55.96% | 55.45% | 56.57% | 59.17% | 57.77% | 55.78% | 54.69% | -188 bps | |
| Liquid Assets / Assets | 8.84% | 3.07% | 3.22% | 4.31% | 3.25% | 6.34% | 8.82% | 8.12% | +380 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 239% | 232% | n/a | n/a | |