Robert Lee, TX · Cert 15442 · Robert Lee Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
8
Profitability
17
Liquidity
25
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Robert Lee, TX · Cert 15442 · Robert Lee Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
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 | 0.71% | 0.30% | 0.40% | 0.64% | 0.58% | 0.38% | -0.01% | 0.30% | -34 bps | |
| Return on Equity | 6.49% | 2.72% | 3.58% | 5.64% | 5.00% | 3.20% | -0.07% | 2.36% | -328 bps | |
| Net Interest Margin | 3.46% | 3.33% | 3.13% | 3.27% | 3.45% | 3.41% | 3.22% | 3.48% | +22 bps | |
| Efficiency Ratio | 82.24% | 88.39% | 87.32% | 82.88% | 84.58% | 85.33% | 100.22% | 90.75% | +787 bps | |
| Non-Interest Burden | 2.73% | 2.84% | 2.65% | 2.61% | 2.82% | 2.82% | 3.21% | 3.09% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.16% | -5.75% | -0.59% | -2.55% | 6.87% | 10.53% | -1.96% | -3.06% | -51 bps | |
| Loan Growth (YoY) | 9.59% | 3.60% | 5.92% | 3.22% | 8.75% | 8.60% | 0.98% | -5.43% | -865 bps | |
| Deposit Growth (YoY) | -6.56% | -5.89% | -1.41% | -3.80% | 7.01% | 9.50% | -3.83% | -4.63% | -82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.46% | 0.72% | 0.72% | 1.82% | 3.08% | 2.29% | 2.11% | 2.09% | +26 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.16% | 0.08% | -0.01% | -0.02% | 0.74% | 1.21% | 0.59% | +60 bps | |
| Allowance / Loans | 1.64% | 1.88% | 1.84% | 1.86% | 1.74% | 1.24% | 1.01% | 1.17% | -69 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.6x | 2.6x | 1.0x | 0.6x | 0.5x | 0.5x | 0.6x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.10% | 14.14% | 12.96% | 13.12% | 14.20% | 14.03% | 12.83% | 14.09% | +98 bps | |
| Total Risk-Based Capital | 28.39% | 14.14% | 12.96% | 13.12% | 14.20% | 14.03% | 12.83% | 14.09% | +98 bps | |
| Equity / Assets | 12.52% | 12.03% | 10.54% | 11.71% | 12.41% | 12.87% | 12.17% | 13.18% | +147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.38% | 43.32% | 36.18% | 39.68% | 42.05% | 42.96% | 37.99% | 39.34% | -34 bps | |
| Liquid Assets / Assets | 0.88% | 0.93% | 12.74% | 8.53% | 6.56% | 4.94% | 10.97% | 6.32% | -221 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 25.80% | 24.90% | 24.39% | n/a | n/a | |
Robert Lee, TX · Cert 15442 · Peer group: banks under $1B in assets in TX (n=208-211) · Robert Lee Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.31%
Rank 193 of 211
Net Interest Margin
3.48%
Rank 141 of 211
Efficiency Ratio
90.75%
Rank 198 of 211
Equity / Assets
13.18%
Rank 50 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.87% | 1.20% | 1.65% | Beats 9% | 193 / 211 | ||
| Return on Equity | 2.37% | 7.52% | 11.67% | 14.58% | Beats 8% | 194 / 211 | ||
| Net Interest Margin | 3.48% | 3.28% | 3.82% | 4.31% | Beats 33% | 141 / 211 | ||
| Efficiency Ratio | 90.75% | 53.01% | 64.18% | 73.65% | Beats 7% | 198 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.09% | 0.01% | 0.30% | 1.10% | Beats 13% | 181 / 208 | ||
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.01% | 0.06% | Beats 3% | 202 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.09% | 11.72% | 14.45% | 19.57% | Beats 46% | 113 / 211 | ||
| Total Risk-Based Capital Ratio | 14.09% | 11.94% | 14.78% | 20.30% | Beats 44% | 118 / 211 | ||
| Equity / Assets | 13.18% | 9.41% | 11.06% | 12.94% | Beats 76% | 50 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.34% | 45.39% | 66.56% | 82.03% | 15th pctl | 176 / 208 | ||
| Loans / Assets | 34.10% | 39.13% | 56.90% | 70.46% | 17th pctl | 175 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||