San Diego, TX · Cert 17350 · San Diego Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.78% | 0.66% | 0.86% | 0.59% | 0.80% | -0.93% | -0.15% | -101 bps | |
| Return on Equity | 9.54% | 9.14% | 8.18% | 10.55% | 6.75% | 8.82% | -10.71% | -1.69% | -1,224 bps | |
| Net Interest Margin | 3.48% | 3.77% | 3.43% | 3.77% | 3.88% | 3.94% | 3.67% | 3.92% | +15 bps | |
| Efficiency Ratio | 74.04% | 76.07% | 76.75% | 72.91% | 81.93% | 80.67% | 129.71% | 99.33% | +2,641 bps | |
| Non-Interest Burden | 2.45% | 2.77% | 2.56% | 2.67% | 3.12% | 3.11% | 4.86% | 3.89% | +122 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 | 0.06% | 0.70% | 0.00% | 0.08% | 0.02% | 0.12% | 0.00% | 0.00% | -8 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 | |