Junction, TX · Cert 16643 · Kimble County Bancshares Inc.
State charter, Fed member · FED · 1 branch
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.08% | 1.61% | 1.72% | 1.05% | 1.16% | 1.28% | 1.27% | -44 bps | |
| Return on Equity | 11.95% | 14.53% | 18.62% | 18.64% | 11.06% | 12.16% | 13.29% | 12.90% | -574 bps | |
| Net Interest Margin | 4.86% | 4.78% | 4.99% | 5.18% | 5.23% | 4.81% | 4.47% | 4.61% | -56 bps | |
| Efficiency Ratio | 60.96% | 60.52% | 63.28% | 60.78% | 60.03% | 60.56% | 64.92% | 65.72% | +494 bps | |
| Non-Interest Burden | 2.79% | 2.72% | 3.00% | 2.96% | 2.94% | 2.73% | 2.74% | 2.85% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.25% | -6.94% | -12.31% | -7.85% | 3.15% | 4.40% | 7.65% | 8.54% | +1,639 bps | |
| Loan Growth (YoY) | -15.02% | -10.83% | -11.93% | 0.53% | 3.26% | -2.61% | -2.69% | 1.32% | +79 bps | |
| Deposit Growth (YoY) | -14.85% | -8.90% | -14.90% | -10.93% | 2.11% | 2.64% | 7.43% | 9.09% | +2,001 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.64% | 2.41% | 2.13% | 2.19% | 1.08% | 1.25% | 0.22% | 0.37% | -182 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.66% | 0.35% | 0.32% | 0.51% | 0.44% | 0.25% | -10 bps | |
| Allowance / Loans | 2.45% | 2.38% | 2.22% | 2.23% | 2.46% | 2.37% | 2.36% | 2.27% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.0x | 1.0x | 2.3x | 1.9x | 10.8x | 6.1x | +5.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 9.65% | 10.17% | 11.21% | 11.14% | 9.98% | 9.93% | 10.64% | -56 bps | |
| Total Risk-Based Capital | 22.26% | 9.65% | 10.17% | 11.21% | 11.14% | 9.98% | 9.93% | 10.64% | -56 bps | |
| Equity / Assets | 9.26% | 8.05% | 9.26% | 10.43% | 10.18% | 9.67% | 9.57% | 10.39% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.67% | 39.79% | 41.74% | 44.35% | 41.13% | 37.76% | 37.81% | 41.20% | -316 bps | |
| Liquid Assets / Assets | 0.07% | 0.07% | 0.07% | 0.07% | 2.05% | 11.06% | 0.07% | 0.07% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 100.51% | 103.87% | 98.50% | n/a | n/a | |