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 | |