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 | |