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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

4.04%Q2 ’244.03%Q2 ’254.00%Q2 ’26-2%+1%

Non-interest income vs. expense

2.96%Q2 ’243.02%Q2 ’253.20%Q2 ’26+2%+4%

Executive Summary

  • Earnings: ROA of 0.61%, down 24 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 2.09% of loans (+26 bps YoY), with net recoveries of 0.11%.
  • 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 (quarter, annualized)

0.61%-24 bps YoY

Net Interest Margin (quarter, annualized)

3.45%+2 bps YoY

Efficiency Ratio (quarter, annualized)

81.33%+251 bps YoY

Tier 1 Leverage Ratio

14.09%+98 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.47%-0.22%-0.01%0.61%-24 bps
Return on Equity7.61%3.86%-1.77%-0.07%4.80%-281 bps
Net Interest Margin3.43%3.42%3.46%3.22%3.45%+2 bps
Efficiency Ratio78.82%88.02%87.56%100.22%81.33%+251 bps
Non-Interest Burden2.58%2.93%2.94%3.21%2.68%+10 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-0.10%-0.02%3.01%1.21%-0.11%-1 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