Robert Lee, TX · Cert 15442 · Robert Lee Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | -1.02% | 0.40% | 0.85% | 0.47% | -0.22% | -0.01% | 0.61% | -24 bps | |
| Return on Equity | 5.08% | -8.33% | 3.58% | 7.61% | 3.86% | -1.77% | -0.07% | 4.80% | -281 bps | |
| Net Interest Margin | 3.26% | 2.56% | 3.13% | 3.43% | 3.42% | 3.46% | 3.22% | 3.45% | +2 bps | |
| Efficiency Ratio | 85.68% | 112.73% | 87.32% | 78.82% | 88.02% | 87.56% | 100.22% | 81.33% | +251 bps | |
| Non-Interest Burden | 2.69% | 2.91% | 2.65% | 2.58% | 2.93% | 2.94% | 3.21% | 2.68% | +10 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 | -0.05% | 0.08% | 0.08% | -0.10% | -0.02% | 3.01% | 1.21% | -0.11% | -1 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 | |