Anton, TX · Cert 16581 · Anton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
88
Profitability
40
Liquidity
0
Efficiency
16
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Anton, TX · Cert 16581 · Anton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 0.5% share · #22 of 31 inst. · $0.1B of $14.3B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.35% | 1.15% | 1.57% | 1.30% | 1.15% | 0.68% | 0.82% | -75 bps | |
| Return on Equity | 8.76% | 8.35% | 6.88% | 9.44% | 7.76% | 6.92% | 4.10% | 5.00% | -444 bps | |
| Net Interest Margin | 5.16% | 5.08% | 4.67% | 4.86% | 4.91% | 4.85% | 4.47% | 4.54% | -32 bps | |
| Efficiency Ratio | 63.72% | 65.60% | 72.20% | 65.74% | 71.18% | 73.40% | 82.73% | 79.23% | +1,349 bps | |
| Non-Interest Burden | 3.18% | 3.22% | 3.23% | 2.87% | 3.29% | 3.39% | 3.64% | 3.53% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | -0.33% | -1.66% | 5.38% | -1.56% | 2.68% | 3.43% | 0.72% | -466 bps | |
| Loan Growth (YoY) | 6.45% | 4.16% | -1.65% | 1.07% | 4.49% | 5.60% | 13.79% | 11.42% | +1,035 bps | |
| Deposit Growth (YoY) | 3.42% | -1.52% | -3.54% | 5.79% | -2.34% | 3.10% | 4.23% | 0.79% | -500 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.10% | 0.05% | 0.03% | 0.04% | 0.03% | 0.61% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.09% | 1.11% | 1.04% | 1.04% | 1.03% | 0.97% | 0.94% | -11 bps | |
| Allowance Coverage of NPLs | 16.2x | 10.9x | 21.7x | 35.0x | 26.3x | 37.1x | 1.6x | 90.0x | +55.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.59% | 16.82% | 16.87% | 16.41% | 16.78% | 16.98% | 16.45% | 15.98% | -43 bps | |
| Total Risk-Based Capital | 16.59% | 16.82% | 16.87% | 16.41% | 16.78% | 16.98% | 16.45% | 15.98% | -43 bps | |
| Equity / Assets | 16.59% | 16.79% | 16.79% | 16.22% | 17.15% | 16.52% | 16.45% | 16.22% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.82% | 89.55% | 87.73% | 90.84% | 96.11% | 91.73% | 95.77% | 100.42% | +958 bps | |
| Liquid Assets / Assets | 5.40% | 5.26% | 5.13% | 4.95% | 5.07% | 4.75% | 4.60% | 4.57% | -39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 194.57% | 196.20% | 194.24% | n/a | n/a | |
Anton, TX · Cert 16581 · Peer group: banks under $1B in assets in TX (n=208-211) · Anton Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.82%
Rank 163 of 211
Net Interest Margin
4.54%
Rank 39 of 211
Efficiency Ratio
79.23%
Rank 178 of 211
Equity / Assets
16.22%
Rank 24 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.87% | 1.20% | 1.65% | Beats 23% | 163 / 211 | ||
| Return on Equity | 5.07% | 7.52% | 11.67% | 14.58% | Beats 16% | 177 / 211 | ||
| Net Interest Margin | 4.54% | 3.28% | 3.82% | 4.31% | Beats 82% | 39 / 211 | ||
| Efficiency Ratio | 79.23% | 53.01% | 64.18% | 73.65% | Beats 16% | 178 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 75% | 53 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.98% | 11.72% | 14.45% | 19.57% | Beats 60% | 85 / 211 | ||
| Total Risk-Based Capital Ratio | 15.98% | 11.94% | 14.78% | 20.30% | Beats 57% | 90 / 211 | ||
| Equity / Assets | 16.22% | 9.41% | 11.06% | 12.94% | Beats 89% | 24 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.42% | 45.39% | 66.56% | 82.03% | 98th pctl | 4 / 208 | ||
| Loans / Assets | 83.37% | 39.13% | 56.90% | 70.46% | 98th pctl | 5 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||