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 (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 | 1.15% | 1.79% | 1.04% | 2.19% | 1.03% | 0.68% | 1.08% | 0.81% | -139 bps | |
| Return on Equity | 8.04% | 12.87% | 7.67% | 15.97% | 7.68% | 5.39% | 8.73% | 6.47% | -950 bps | |
| Net Interest Margin | 3.85% | 3.84% | 3.70% | 3.97% | 3.84% | 3.70% | 3.69% | 3.68% | -29 bps | |
| Efficiency Ratio | 66.22% | 61.13% | 63.92% | 50.26% | 65.76% | 77.63% | 74.88% | 74.58% | +2,432 bps | |
| Non-Interest Burden | 2.44% | 2.10% | 2.25% | 1.32% | 2.36% | 2.84% | 2.68% | 2.63% | +131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.55% | 33.39% | 18.54% | 17.73% | 23.21% | 14.86% | 13.22% | 9.88% | -785 bps | |
| Loan Growth (YoY) | 32.71% | 18.60% | 12.62% | 12.48% | 8.56% | 11.27% | 7.59% | 2.50% | -997 bps | |
| Deposit Growth (YoY) | 27.58% | 28.69% | 21.18% | 19.70% | 26.60% | 17.59% | 15.92% | 12.43% | -727 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.42% | 0.65% | 0.40% | 0.15% | 0.00% | 0.20% | 0.17% | -23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.03% | 0.07% | 0.11% | -0.05% | 0.01% | -2 bps | |
| Allowance / Loans | 1.09% | 1.15% | 1.15% | 1.14% | 1.14% | 1.16% | 1.23% | 1.23% | +9 bps | |
| Allowance Coverage of NPLs | n/a | 2.7x | 1.8x | 2.8x | 7.8x | n/a | 6.2x | 7.3x | +4.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.92% | 13.59% | 13.21% | 13.42% | 13.10% | 11.97% | 12.09% | 12.15% | -127 bps | |
| Total Risk-Based Capital | 13.92% | 13.59% | 13.21% | 13.42% | 13.10% | 11.97% | 12.09% | 12.15% | -127 bps | |
| Equity / Assets | 14.22% | 13.58% | 13.59% | 13.87% | 12.94% | 12.41% | 12.44% | 12.53% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.92% | 74.83% | 74.62% | 76.30% | 71.11% | 70.81% | 69.26% | 69.57% | -674 bps | |
| Liquid Assets / Assets | 12.97% | 18.95% | 18.02% | 14.33% | 18.11% | 14.93% | 6.89% | 6.75% | -758 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 285% | 291% | 284% | n/a | n/a | |