Groesbeck, TX · Cert 15367 · Groesbeck Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.36% | 1.35% | 1.20% | 1.23% | -12 bps | |
| Return on Equity | 15.41% | 15.25% | 14.48% | 12.99% | 13.92% | -149 bps | |
| Net Interest Margin | 4.61% | 4.47% | 4.43% | 4.18% | 4.24% | -38 bps | |
| Efficiency Ratio | 66.99% | 66.94% | 66.83% | 64.74% | 71.85% | +486 bps | |
| Non-Interest Burden | 2.85% | 2.72% | 2.72% | 2.44% | 2.85% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.23% | 6.04% | 1.55% | 8.09% | 6.94% | +917 bps | |
| Loan Growth (YoY) | -0.63% | 0.90% | -11.34% | -17.71% | -16.50% | -1,587 bps | |
| Deposit Growth (YoY) | 0.01% | 4.87% | -0.25% | 7.67% | 6.93% | +692 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.93% | 0.97% | 1.09% | 1.27% | 1.22% | +29 bps | |
| Allowance Coverage of NPLs | 24.5x | 25.8x | 26.6x | 30.7x | 31.5x | +6.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.62% | 9.42% | 9.50% | 9.45% | 9.39% | -23 bps | |
| Total Risk-Based Capital | 9.62% | 9.42% | 9.50% | 9.45% | 9.39% | -23 bps | |
| Equity / Assets | 8.86% | 9.03% | 9.64% | 8.83% | 8.80% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.35% | 62.51% | 58.85% | 50.79% | 52.59% | -1,476 bps | |
| Liquid Assets / Assets | 6.13% | 9.09% | 8.46% | 13.88% | 11.40% | +527 bps | |
| CRE / Total Capital | n/a | 243% | 212% | 172.91% | n/a | n/a | |