Somerville, TX · Cert 16753 · C S B Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 5.6% share · #7 of 26 inst. · $0.5B of $9.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 1.56% | 1.94% | 1.55% | 1.76% | -2 bps | |
| Return on Equity | 15.07% | 12.86% | 15.77% | 12.62% | 14.04% | -103 bps | |
| Net Interest Margin | 4.24% | 4.40% | 4.29% | 4.24% | 4.49% | +25 bps | |
| Efficiency Ratio | 50.84% | 52.94% | 51.99% | 54.47% | 46.51% | -432 bps | |
| Non-Interest Burden | 1.89% | 2.05% | 1.95% | 2.06% | 1.77% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.04% | 5.36% | 9.95% | 9.13% | 5.92% | -112 bps | |
| Loan Growth (YoY) | 6.38% | 5.67% | 5.36% | 4.20% | 3.18% | -320 bps | |
| Deposit Growth (YoY) | 5.92% | 4.26% | 8.99% | 8.39% | 4.91% | -102 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.66% | 1.80% | 2.44% | 2.75% | 1.99% | +33 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.04% | 0.20% | 0.15% | 0.42% | +38 bps | |
| Allowance / Loans | 0.96% | 1.08% | 1.01% | 1.03% | 1.11% | +15 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.4x | 0.4x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.45% | 12.57% | 12.47% | 12.67% | 12.95% | +50 bps | |
| Total Risk-Based Capital | 12.45% | 12.57% | 12.47% | 12.67% | 12.95% | +50 bps | |
| Equity / Assets | 11.84% | 12.45% | 12.13% | 12.38% | 12.66% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.59% | 74.76% | 71.57% | 72.44% | 72.38% | -121 bps | |
| Liquid Assets / Assets | 7.33% | 7.67% | 6.62% | 7.74% | 7.29% | -5 bps | |
| CRE / Total Capital | n/a | 204% | 202% | 201% | n/a | n/a | |