Woodway, TX · Cert 15657 · Abct Holdings Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 8.4% share · #3 of 28 inst. · $0.7B of $8.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.93% | 0.94% | 1.05% | 1.01% | +10 bps | |
| Return on Equity | 7.83% | 8.01% | 8.06% | 9.12% | 8.79% | +96 bps | |
| Net Interest Margin | 2.95% | 2.98% | 2.83% | 2.92% | 2.91% | -4 bps | |
| Efficiency Ratio | 64.35% | 63.21% | 62.43% | 59.61% | 59.57% | -478 bps | |
| Non-Interest Burden | 1.83% | 1.82% | 1.70% | 1.67% | 1.66% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.08% | 10.26% | 27.77% | 32.21% | 29.00% | +1,892 bps | |
| Loan Growth (YoY) | 4.33% | 6.41% | 7.89% | 5.91% | 3.72% | -60 bps | |
| Deposit Growth (YoY) | 13.43% | 10.89% | 19.10% | 22.21% | 17.04% | +361 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.02% | 0.00% | 0.02% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.10% | 1.11% | 1.11% | 1.10% | +2 bps | |
| Allowance Coverage of NPLs | 77.3x | 9472.0x | 53.0x | 955.6x | 55.6x | -21.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.05% | 12.00% | 13.41% | 11.94% | 11.76% | -29 bps | |
| Total Risk-Based Capital | 15.01% | 15.30% | 17.44% | 17.33% | 11.76% | -324 bps | |
| Equity / Assets | 11.53% | 11.60% | 11.78% | 11.21% | 11.40% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.34% | 93.53% | 86.09% | 81.43% | 83.60% | -1,074 bps | |
| Liquid Assets / Assets | 2.83% | 4.47% | 2.70% | 6.89% | 4.31% | +148 bps | |
| CRE / Total Capital | n/a | 459% | 386% | 375% | n/a | n/a | |