Odem, TX · Cert 16334 · Mustang Holdings Group LLC
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Corpus Christi, TX · 2026 SOD (annual) · 2.2% share · #10 of 16 inst. · $0.2B of $8.1B
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 | 2.49% | 2.81% | 2.20% | 2.66% | 1.61% | 2.23% | 2.82% | 1.95% | -71 bps | |
| Return on Equity | 16.50% | 18.10% | 13.44% | 15.74% | 10.44% | 15.99% | 20.13% | 13.89% | -185 bps | |
| Net Interest Margin | 5.53% | 5.47% | 5.19% | 5.30% | 5.28% | 5.02% | 4.71% | 5.06% | -24 bps | |
| Efficiency Ratio | 44.97% | 45.43% | 51.48% | 50.78% | 50.07% | 50.51% | 46.56% | 55.19% | +441 bps | |
| Non-Interest Burden | 2.16% | 2.05% | 2.40% | 2.45% | 2.35% | 2.26% | 1.46% | 2.55% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.10% | 6.06% | 9.19% | 4.71% | -1.88% | 0.15% | 6.39% | 4.13% | -58 bps | |
| Loan Growth (YoY) | -4.49% | -3.24% | -2.60% | 0.64% | -0.74% | -2.51% | -2.42% | 4.97% | +433 bps | |
| Deposit Growth (YoY) | 2.52% | 3.68% | 7.03% | 2.02% | -0.54% | 2.45% | 10.14% | 7.67% | +565 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.50% | 0.07% | 0.00% | 0.05% | 0.00% | 0.03% | -1.46% | 0.01% | -4 bps | |
| Allowance / Loans | 3.04% | 2.66% | 2.53% | 2.55% | 2.70% | 2.71% | 2.94% | 2.76% | +22 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 45.9x | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.40% | 15.83% | 16.66% | 17.06% | 13.60% | 13.85% | 13.84% | 14.39% | -267 bps | |
| Total Risk-Based Capital | 32.08% | 15.83% | 16.66% | 17.06% | 13.60% | 13.85% | 13.84% | 14.39% | -267 bps | |
| Equity / Assets | 14.98% | 16.11% | 16.64% | 17.13% | 13.66% | 14.29% | 13.78% | 14.28% | -285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.54% | 58.07% | 60.92% | 60.10% | 54.44% | 55.26% | 53.97% | 58.59% | -151 bps | |
| Liquid Assets / Assets | 34.01% | 27.15% | 21.91% | 21.26% | 22.38% | 17.33% | 16.16% | 11.70% | -956 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 170.74% | 169.23% | 181.91% | n/a | n/a | |