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Robert Lee State Bank

Robert Lee, TX · Cert 15442 · Robert Lee Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$42.9MAssets
$14.6MLoans
$37.2MDeposits
$5.7MEquity
Loan mix
70%RE $10.3M10%C&I $1.5M20%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $25.1M32%Noninterest $12.1MQ2 2025Q2 2026

NIM

3.83%Q2 ’243.86%Q2 ’254.03%Q2 ’26-1%+7%

Non-interest income vs. expense

2.98%Q2 ’243.03%Q2 ’253.56%Q2 ’26+3%+19%

Executive Summary

  • Earnings: ROA of 0.30%, down 34 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 2.09% of loans (+26 bps YoY), with net charge-offs at 0.59%.
  • Capital: tier 1 leverage ratio of 14.09%, up 98 bps from a year ago.
  • Funding: loans stand at 39.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+22 bps YoY

Efficiency Ratio (YTD, annualized)

90.75%+787 bps YoY

Tier 1 Leverage Ratio

14.09%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.58%0.38%-0.01%0.30%-34 bps
Return on Equity5.64%5.00%3.20%-0.07%2.36%-328 bps
Net Interest Margin3.27%3.45%3.41%3.22%3.48%+22 bps
Efficiency Ratio82.88%84.58%85.33%100.22%90.75%+787 bps
Non-Interest Burden2.61%2.82%2.82%3.21%3.09%+48 bps
Growth
Asset Growth (YoY)-2.55%6.87%10.53%-1.96%-3.06%-51 bps
Loan Growth (YoY)3.22%8.75%8.60%0.98%-5.43%-865 bps
Deposit Growth (YoY)-3.80%7.01%9.50%-3.83%-4.63%-82 bps
Asset Quality
Nonperforming Loans / Loans1.82%3.08%2.29%2.11%2.09%+26 bps
Net Charge-Offs / Loans-0.01%-0.02%0.74%1.21%0.59%+60 bps
Allowance / Loans1.86%1.74%1.24%1.01%1.17%-69 bps
Allowance Coverage of NPLs1.0x0.6x0.5x0.5x0.6x-0.5x
Capital
Tier 1 Leverage Ratio13.12%14.20%14.03%12.83%14.09%+98 bps
Total Risk-Based Capital13.12%14.20%14.03%12.83%14.09%+98 bps
Equity / Assets11.71%12.41%12.87%12.17%13.18%+147 bps
Liquidity & Funding
Loans / Deposits39.68%42.05%42.96%37.99%39.34%-34 bps
Liquid Assets / Assets8.53%6.56%4.94%10.97%6.32%-221 bps
CRE / Total Capitaln/a25.80%24.90%24.39%n/an/a