Bedias, TX · Cert 16895 · Bedias Financial Corp.
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
76
Asset Quality
16
Profitability
71
Liquidity
96
Efficiency
86
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.
Bedias, TX · Cert 16895 · Bedias Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 0.8% share · #18 of 26 inst. · $0.1B of $9.1B
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 | 2.27% | 2.23% | 1.78% | 1.92% | 1.93% | 1.90% | 1.98% | 2.03% | +10 bps | |
| Return on Equity | 13.58% | 13.22% | 10.31% | 11.16% | 11.16% | 10.88% | 11.09% | 11.46% | +30 bps | |
| Net Interest Margin | 4.78% | 4.62% | 4.27% | 4.25% | 4.25% | 4.28% | 4.39% | 4.30% | +5 bps | |
| Efficiency Ratio | 44.89% | 45.54% | 52.56% | 49.16% | 49.69% | 48.40% | 48.56% | 47.11% | -205 bps | |
| Non-Interest Burden | 1.83% | 1.80% | 2.00% | 1.83% | 1.86% | 1.81% | 1.88% | 1.78% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.36% | 0.49% | 7.04% | 6.35% | 5.99% | 6.08% | 6.16% | 7.65% | +129 bps | |
| Loan Growth (YoY) | 3.71% | 1.90% | -2.49% | 0.78% | 2.11% | 3.57% | 3.69% | -1.17% | -195 bps | |
| Deposit Growth (YoY) | -2.84% | -1.22% | 6.64% | 5.65% | 5.63% | 5.12% | 5.58% | 7.51% | +186 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.44% | 0.51% | 0.80% | 0.74% | 0.53% | 0.33% | 2.01% | +121 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.15% | -0.01% | 0.07% | 0.12% | 0.21% | 0.28% | 0.21% | +14 bps | |
| Allowance / Loans | 1.54% | 1.49% | 1.54% | 1.42% | 1.36% | 1.47% | 1.44% | 1.39% | -3 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.4x | 3.0x | 1.8x | 1.8x | 2.7x | 4.3x | 0.7x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 18.25% | 18.52% | 18.57% | 18.19% | 18.01% | 18.35% | 18.38% | 17.94% | -25 bps | |
| Total Risk-Based Capital | 18.25% | 18.52% | 18.57% | 18.19% | 18.01% | 18.35% | 18.38% | 17.94% | -25 bps | |
| Equity / Assets | 17.23% | 17.33% | 17.16% | 17.18% | 17.49% | 18.15% | 17.63% | 17.32% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.63% | 74.33% | 69.07% | 73.43% | 72.15% | 73.23% | 67.83% | 67.51% | -593 bps | |
| Liquid Assets / Assets | 9.69% | 10.44% | 16.26% | 11.27% | 10.54% | 9.15% | 14.22% | 13.85% | +258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 86.07% | 83.80% | 84.31% | n/a | n/a | |
Bedias, TX · Cert 16895 · Peer group: banks under $1B in assets in TX (n=208-211) · Bedias Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.98%
Rank 21 of 211
Net Interest Margin
4.30%
Rank 55 of 211
Efficiency Ratio
47.11%
Rank 31 of 211
Equity / Assets
17.32%
Rank 18 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.98% | 0.87% | 1.20% | 1.65% | Beats 90% | 21 / 211 | ||
| Return on Equity | 11.45% | 7.52% | 11.67% | 14.58% | Beats 49% | 108 / 211 | ||
| Net Interest Margin | 4.30% | 3.28% | 3.82% | 4.31% | Beats 74% | 55 / 211 | ||
| Efficiency Ratio | 47.11% | 53.01% | 64.18% | 73.65% | Beats 86% | 31 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.02% | 0.01% | 0.30% | 1.10% | Beats 15% | 178 / 208 | ||
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 17% | 173 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.94% | 11.72% | 14.45% | 19.57% | Beats 72% | 60 / 211 | ||
| Total Risk-Based Capital Ratio | 17.94% | 11.94% | 14.78% | 20.30% | Beats 65% | 73 / 211 | ||
| Equity / Assets | 17.32% | 9.41% | 11.06% | 12.94% | Beats 91% | 18 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.51% | 45.39% | 66.56% | 82.03% | 53rd pctl | 98 / 208 | ||
| Loans / Assets | 55.46% | 39.13% | 56.90% | 70.46% | 44th pctl | 118 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||