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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.30% | 1.15% | 0.68% | 0.82% | -75 bps | |
| Return on Equity | 9.44% | 7.76% | 6.92% | 4.10% | 5.00% | -444 bps | |
| Net Interest Margin | 4.86% | 4.91% | 4.85% | 4.47% | 4.54% | -32 bps | |
| Efficiency Ratio | 65.74% | 71.18% | 73.40% | 82.73% | 79.23% | +1,349 bps | |
| Non-Interest Burden | 2.87% | 3.29% | 3.39% | 3.64% | 3.53% | +65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.38% | -1.56% | 2.68% | 3.43% | 0.72% | -466 bps | |
| Loan Growth (YoY) | 1.07% | 4.49% | 5.60% | 13.79% | 11.42% | +1,035 bps | |
| Deposit Growth (YoY) | 5.79% | -2.34% | 3.10% | 4.23% | 0.79% | -500 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.04% | 0.03% | 0.61% | 0.01% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.03% | 0.97% | 0.94% | -11 bps | |
| Allowance Coverage of NPLs | 35.0x | 26.3x | 37.1x | 1.6x | 90.0x | +55.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.41% | 16.78% | 16.98% | 16.45% | 15.98% | -43 bps | |
| Total Risk-Based Capital | 16.41% | 16.78% | 16.98% | 16.45% | 15.98% | -43 bps | |
| Equity / Assets | 16.22% | 17.15% | 16.52% | 16.45% | 16.22% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.84% | 96.11% | 91.73% | 95.77% | 100.42% | +958 bps | |
| Liquid Assets / Assets | 4.95% | 5.07% | 4.75% | 4.60% | 4.57% | -39 bps | |
| CRE / Total Capital | n/a | 194.57% | 196.20% | 194.24% | n/a | n/a | |