San Diego, TX · Cert 17350 · San Diego Bancshares Inc.
State charter, non-member · FDIC · 1 branch
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
64
Asset Quality
54
Profitability
20
Liquidity
0
Efficiency
3
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.
San Diego, TX · Cert 17350 · San Diego Bancshares Inc.
State charter, non-member · FDIC · 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 | 0.74% | 0.74% | 0.66% | 0.77% | 0.72% | 0.88% | -0.93% | -0.55% | -132 bps | |
| Return on Equity | 9.26% | 9.34% | 8.18% | 9.40% | 8.50% | 10.31% | -10.71% | -6.27% | -1,568 bps | |
| Net Interest Margin | 3.53% | 3.58% | 3.43% | 3.64% | 3.89% | 3.90% | 3.67% | 3.96% | +31 bps | |
| Efficiency Ratio | 75.60% | 75.72% | 76.75% | 74.77% | 77.16% | 78.06% | 129.71% | 114.73% | +3,996 bps | |
| Non-Interest Burden | 2.55% | 2.59% | 2.56% | 2.65% | 2.92% | 2.97% | 4.86% | 4.59% | +194 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.62% | -0.95% | 0.01% | 4.22% | -4.63% | 0.60% | -6.37% | -10.80% | -1,502 bps | |
| Loan Growth (YoY) | -1.09% | -6.88% | -6.47% | -4.93% | -2.78% | -7.93% | -14.49% | -22.71% | -1,778 bps | |
| Deposit Growth (YoY) | -3.00% | -1.34% | -0.67% | 3.52% | -5.20% | -0.25% | -6.91% | -11.49% | -1,501 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.86% | 1.97% | 1.77% | 1.95% | 1.63% | 1.79% | 1.94% | 2.65% | +71 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.19% | 0.00% | 0.04% | 0.03% | 0.06% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.61% | 1.54% | 1.49% | 1.46% | 1.46% | 1.62% | 1.67% | 1.85% | +39 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 0.8x | 0.7x | 0.9x | 0.9x | 0.9x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.19% | 9.12% | 8.34% | 8.55% | 9.06% | 9.14% | 8.35% | 9.02% | +47 bps | |
| Total Risk-Based Capital | 25.03% | 25.94% | 24.56% | 24.29% | 24.32% | 26.59% | 26.63% | 28.95% | +466 bps | |
| Equity / Assets | 8.84% | 8.16% | 8.03% | 8.25% | 9.33% | 8.86% | 8.54% | 8.89% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.62% | 28.13% | 27.45% | 28.07% | 31.40% | 25.97% | 25.21% | 24.52% | -356 bps | |
| Liquid Assets / Assets | 12.90% | 20.19% | 27.46% | 28.69% | 20.31% | 31.97% | 22.85% | 16.95% | -1,174 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 97.17% | 81.60% | 79.06% | n/a | n/a | |
San Diego, TX · Cert 17350 · Peer group: banks under $1B in assets in TX (n=208-211) · San Diego Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
-0.58%
Rank 205 of 211
Net Interest Margin
3.96%
Rank 97 of 211
Efficiency Ratio
114.73%
Rank 205 of 211
Equity / Assets
8.89%
Rank 173 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.58% | 0.87% | 1.20% | 1.65% | Beats 3% | 205 / 211 | ||
| Return on Equity | -6.49% | 7.52% | 11.67% | 14.58% | Beats 2% | 207 / 211 | ||
| Net Interest Margin | 3.96% | 3.28% | 3.82% | 4.31% | Beats 54% | 97 / 211 | ||
| Efficiency Ratio | 114.73% | 53.01% | 64.18% | 73.65% | Beats 3% | 205 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.65% | 0.01% | 0.30% | 1.10% | Beats 8% | 193 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 27.70% | 11.72% | 14.45% | 19.57% | Beats 87% | 28 / 211 | ||
| Total Risk-Based Capital Ratio | 28.95% | 11.94% | 14.78% | 20.30% | Beats 87% | 27 / 211 | ||
| Equity / Assets | 8.89% | 9.41% | 11.06% | 12.94% | Beats 18% | 173 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 24.52% | 45.39% | 66.56% | 82.03% | 6th pctl | 196 / 208 | ||
| Loans / Assets | 22.24% | 39.13% | 56.90% | 70.46% | 7th pctl | 196 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||