Rocksprings, TX · Cert 15939
State charter, non-member · FDIC · 2 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.27% | 1.29% | 1.35% | 1.42% | +20 bps | |
| Return on Equity | 18.30% | 17.76% | 17.20% | 15.01% | 15.54% | -276 bps | |
| Net Interest Margin | 2.72% | 2.88% | 2.84% | 2.78% | 2.91% | +18 bps | |
| Efficiency Ratio | 31.39% | 30.51% | 30.41% | 39.79% | 39.36% | +797 bps | |
| Non-Interest Burden | 1.13% | 1.17% | 1.14% | 1.05% | 1.08% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.93% | 7.80% | -19.26% | -2.64% | -6.75% | -2,068 bps | |
| Loan Growth (YoY) | -8.75% | -10.98% | -9.20% | -9.34% | -5.16% | +359 bps | |
| Deposit Growth (YoY) | 12.53% | 6.85% | -22.38% | -4.52% | -8.42% | -2,095 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.10% | 0.12% | 0.12% | 0.10% | 0.10% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.02% | 0.08% | 0.04% | +1 bps | |
| Allowance / Loans | 0.33% | 0.33% | 0.33% | 0.33% | 0.35% | +1 bps | |
| Allowance Coverage of NPLs | 3.4x | 2.8x | 2.7x | 3.2x | 3.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.36% | 10.28% | 10.41% | 10.57% | 11.02% | +166 bps | |
| Total Risk-Based Capital | 25.35% | 27.36% | 27.70% | 29.48% | 29.28% | +393 bps | |
| Equity / Assets | 7.76% | 8.59% | 8.99% | 9.04% | 9.41% | +165 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.70% | 33.67% | 33.37% | 34.08% | 35.94% | +124 bps | |
| Liquid Assets / Assets | 10.47% | 11.62% | 10.84% | 10.11% | 7.59% | -289 bps | |
| CRE / Total Capital | n/a | 38.43% | 44.80% | 44.20% | n/a | n/a | |