Waco, TX · Cert 17108 · Community Co. the
State charter, non-member · FDIC · 4 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
82
Asset Quality
31
Profitability
33
Liquidity
97
Efficiency
31
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.
Waco, TX · Cert 17108 · Community Co. the
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 6.3% share · #6 of 28 inst. · $0.6B of $8.9B
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 | 0.74% | 0.65% | 0.81% | 0.90% | 0.93% | 0.94% | 1.19% | 1.11% | +20 bps | |
| Return on Equity | 6.67% | 5.90% | 7.35% | 8.19% | 8.15% | 8.05% | 9.58% | 8.80% | +61 bps | |
| Net Interest Margin | 2.74% | 2.71% | 2.86% | 2.91% | 3.03% | 3.05% | 3.23% | 3.16% | +25 bps | |
| Efficiency Ratio | 71.98% | 71.85% | 70.01% | 68.71% | 68.41% | 69.46% | 69.16% | 70.60% | +189 bps | |
| Non-Interest Burden | 1.67% | 1.65% | 1.64% | 1.63% | 1.70% | 1.74% | 1.82% | 1.86% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | 2.54% | 3.58% | -0.28% | -3.23% | -0.99% | 3.02% | 3.23% | +351 bps | |
| Loan Growth (YoY) | 5.10% | 4.19% | 0.82% | 0.79% | 2.20% | 0.46% | 3.37% | -3.65% | -444 bps | |
| Deposit Growth (YoY) | 5.53% | 2.78% | 3.08% | -0.33% | -4.13% | -3.01% | 1.73% | 1.02% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.83% | 1.14% | 1.09% | 1.08% | 1.06% | 0.31% | 0.34% | 0.21% | -87 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.97% | -0.07% | -0.07% | -0.06% | -0.05% | 0.00% | 0.60% | +67 bps | |
| Allowance / Loans | 1.66% | 1.09% | 1.27% | 1.35% | 1.40% | 1.46% | 1.49% | 1.29% | -5 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 1.2x | 1.2x | 1.3x | 4.8x | 4.4x | 6.3x | +5.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.60% | 14.30% | 14.62% | 14.82% | 15.32% | 15.52% | 15.44% | 15.45% | +63 bps | |
| Total Risk-Based Capital | 24.13% | 23.62% | 25.08% | 24.68% | 25.62% | 25.58% | 25.65% | 27.23% | +255 bps | |
| Equity / Assets | 11.76% | 10.78% | 11.23% | 11.06% | 12.56% | 12.56% | 12.23% | 12.94% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.00% | 67.93% | 67.47% | 70.32% | 73.56% | 70.36% | 68.56% | 67.08% | -325 bps | |
| Liquid Assets / Assets | 5.39% | 2.17% | 3.33% | 2.76% | 2.21% | 4.52% | 5.90% | 7.32% | +457 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 138.16% | 139.64% | 145.82% | n/a | n/a | |
Waco, TX · Cert 17108 · Peer group: banks under $1B in assets in TX (n=208-211) · Community Co. the
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
1.11%
Rank 118 of 211
Net Interest Margin
3.16%
Rank 165 of 211
Efficiency Ratio
70.60%
Rank 146 of 211
Equity / Assets
12.94%
Rank 53 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.87% | 1.20% | 1.65% | Beats 44% | 118 / 211 | ||
| Return on Equity | 8.54% | 7.52% | 11.67% | 14.58% | Beats 34% | 140 / 211 | ||
| Net Interest Margin | 3.16% | 3.28% | 3.82% | 4.31% | Beats 22% | 165 / 211 | ||
| Efficiency Ratio | 70.60% | 53.01% | 64.18% | 73.65% | Beats 31% | 146 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.01% | 0.30% | 1.10% | Beats 56% | 92 / 208 | ||
| Net Charge-Offs / Loans | 0.31% | 0.00% | 0.01% | 0.06% | Beats 5% | 199 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.98% | 11.72% | 14.45% | 19.57% | Beats 85% | 32 / 211 | ||
| Total Risk-Based Capital Ratio | 27.23% | 11.94% | 14.78% | 20.30% | Beats 85% | 31 / 211 | ||
| Equity / Assets | 12.94% | 9.41% | 11.06% | 12.94% | Beats 75% | 53 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.08% | 45.39% | 66.56% | 82.03% | 51st pctl | 101 / 208 | ||
| Loans / Assets | 58.14% | 39.13% | 56.90% | 70.46% | 52nd pctl | 102 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||