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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.74% | 1.90% | 1.61% | 1.81% | 1.40% | -34 bps | |
| Return on Equity | 12.96% | 13.74% | 11.73% | 13.51% | 10.37% | -258 bps | |
| Net Interest Margin | 3.89% | 3.86% | 3.81% | 3.69% | 3.76% | -13 bps | |
| Efficiency Ratio | 45.82% | 40.98% | 40.55% | 41.83% | 43.86% | -196 bps | |
| Non-Interest Burden | 1.65% | 1.40% | 1.39% | 1.41% | 1.50% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.28% | 11.17% | 9.73% | 10.68% | 8.43% | -286 bps | |
| Loan Growth (YoY) | 3.08% | -0.52% | 3.91% | -0.81% | 1.88% | -120 bps | |
| Deposit Growth (YoY) | 11.34% | 11.44% | 9.41% | 10.70% | 8.36% | -298 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.07% | 2.39% | 1.74% | 1.27% | 1.90% | -17 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.03% | 0.56% | 1.54% | +142 bps | |
| Allowance / Loans | 1.93% | 1.90% | 2.09% | 1.99% | 1.96% | +3 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.8x | 1.2x | 1.6x | 1.0x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.29% | 14.59% | 14.29% | 13.66% | 14.14% | -15 bps | |
| Total Risk-Based Capital | 14.29% | 14.59% | 14.29% | 13.66% | 14.14% | -15 bps | |
| Equity / Assets | 13.89% | 13.80% | 13.66% | 13.08% | 13.96% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.08% | 40.73% | 40.51% | 37.05% | 39.56% | -252 bps | |
| Liquid Assets / Assets | 45.15% | 45.09% | 44.61% | 48.33% | 46.42% | +126 bps | |
| CRE / Total Capital | n/a | 33.96% | 32.28% | 31.82% | n/a | n/a | |