Paint Rock, TX · Cert 17775 · Paint Rock Bancshares Inc.
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
58
Asset Quality
9
Profitability
57
Liquidity
25
Efficiency
90
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.
Paint Rock, TX · Cert 17775 · Paint Rock Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 2.4% share · #10 of 15 inst. · $0.1B of $3.4B
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 | 2.18% | 2.11% | 1.86% | 1.81% | 1.83% | 1.78% | 1.81% | 1.62% | -19 bps | |
| Return on Equity | 16.61% | 16.07% | 14.08% | 13.51% | 13.57% | 13.14% | 13.51% | 11.93% | -157 bps | |
| Net Interest Margin | 4.30% | 4.17% | 3.83% | 3.87% | 3.87% | 3.74% | 3.69% | 3.76% | -11 bps | |
| Efficiency Ratio | 39.07% | 39.42% | 42.43% | 44.13% | 43.08% | 42.43% | 41.83% | 42.85% | -128 bps | |
| Non-Interest Burden | 1.50% | 1.47% | 1.48% | 1.57% | 1.51% | 1.44% | 1.41% | 1.47% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | 1.41% | 10.04% | 11.28% | 11.17% | 9.73% | 10.68% | 8.43% | -286 bps | |
| Loan Growth (YoY) | 17.30% | 14.05% | 11.36% | 3.08% | -0.52% | 3.91% | -0.81% | 1.88% | -120 bps | |
| Deposit Growth (YoY) | -3.42% | -0.10% | 9.71% | 11.34% | 11.44% | 9.41% | 10.70% | 8.36% | -298 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.63% | 0.62% | 0.88% | 2.07% | 2.39% | 1.74% | 1.27% | 1.90% | -17 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | -0.01% | 0.06% | 0.04% | 0.03% | 0.56% | 1.05% | +100 bps | |
| Allowance / Loans | 1.92% | 1.95% | 1.90% | 1.93% | 1.90% | 2.09% | 1.99% | 1.96% | +3 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.1x | 2.2x | 0.9x | 0.8x | 1.2x | 1.6x | 1.0x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.57% | 14.58% | 13.86% | 14.29% | 14.59% | 14.29% | 13.66% | 14.14% | -15 bps | |
| Total Risk-Based Capital | 14.57% | 14.58% | 13.86% | 14.29% | 14.59% | 14.29% | 13.66% | 14.14% | -15 bps | |
| Equity / Assets | 13.90% | 13.32% | 13.04% | 13.89% | 13.80% | 13.66% | 13.08% | 13.96% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.63% | 42.65% | 41.35% | 42.08% | 40.73% | 40.51% | 37.05% | 39.56% | -252 bps | |
| Liquid Assets / Assets | 42.58% | 46.33% | 48.44% | 45.15% | 45.09% | 44.61% | 48.33% | 46.42% | +126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.96% | 32.28% | 31.82% | n/a | n/a | |
Paint Rock, TX · Cert 17775 · Peer group: banks under $1B in assets in TX (n=208-211) · Paint Rock Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.65%
Rank 53 of 211
Net Interest Margin
3.76%
Rank 114 of 211
Efficiency Ratio
42.85%
Rank 23 of 211
Equity / Assets
13.96%
Rank 37 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.65% | 0.87% | 1.20% | 1.65% | Beats 75% | 53 / 211 | ||
| Return on Equity | 11.80% | 7.52% | 11.67% | 14.58% | Beats 51% | 103 / 211 | ||
| Net Interest Margin | 3.76% | 3.28% | 3.82% | 4.31% | Beats 46% | 114 / 211 | ||
| Efficiency Ratio | 42.85% | 53.01% | 64.18% | 73.65% | Beats 90% | 23 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.90% | 0.01% | 0.30% | 1.10% | Beats 16% | 175 / 208 | ||
| Net Charge-Offs / Loans | 0.53% | 0.00% | 0.01% | 0.06% | Beats 2% | 204 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.14% | 11.72% | 14.45% | 19.57% | Beats 47% | 111 / 211 | ||
| Total Risk-Based Capital Ratio | 14.14% | 11.94% | 14.78% | 20.30% | Beats 45% | 116 / 211 | ||
| Equity / Assets | 13.96% | 9.41% | 11.06% | 12.94% | Beats 82% | 37 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 39.56% | 45.39% | 66.56% | 82.03% | 17th pctl | 173 / 208 | ||
| Loans / Assets | 33.60% | 39.13% | 56.90% | 70.46% | 17th pctl | 176 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||