Alamo, TX · Cert 17881 · Aob Ventures Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 1.2% share · #13 of 20 inst. · $0.2B of $16.0B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 1.41% | 1.22% | 1.08% | 0.95% | -68 bps | |
| Return on Equity | 11.87% | 10.44% | 9.23% | 8.73% | 7.60% | -427 bps | |
| Net Interest Margin | 3.78% | 3.70% | 3.55% | 3.69% | 3.68% | -11 bps | |
| Efficiency Ratio | 56.06% | 59.24% | 63.60% | 74.88% | 74.73% | +1,867 bps | |
| Non-Interest Burden | 1.75% | 1.90% | 2.06% | 2.68% | 2.65% | +90 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.73% | 23.21% | 14.86% | 13.22% | 9.88% | -785 bps | |
| Loan Growth (YoY) | 12.48% | 8.56% | 11.27% | 7.59% | 2.50% | -997 bps | |
| Deposit Growth (YoY) | 19.70% | 26.60% | 17.59% | 15.92% | 12.43% | -727 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.15% | 0.00% | 0.20% | 0.17% | -23 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.05% | 0.06% | -0.05% | -0.02% | -5 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.16% | 1.23% | 1.23% | +9 bps | |
| Allowance Coverage of NPLs | 2.8x | 7.8x | n/a | 6.2x | 7.3x | +4.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.42% | 13.10% | 11.97% | 12.09% | 12.15% | -127 bps | |
| Total Risk-Based Capital | 13.42% | 13.10% | 11.97% | 12.09% | 12.15% | -127 bps | |
| Equity / Assets | 13.87% | 12.94% | 12.41% | 12.44% | 12.53% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.30% | 71.11% | 70.81% | 69.26% | 69.57% | -674 bps | |
| Liquid Assets / Assets | 14.33% | 18.11% | 14.93% | 6.89% | 6.75% | -758 bps | |
| CRE / Total Capital | n/a | 285% | 291% | 284% | n/a | n/a | |