Fort Stockton, TX · Cert 17913 · FNB Holding Co.
National charter · OCC · 2 branches
Q2 2026
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 | 0.75% | 0.74% | 0.78% | 0.73% | 0.82% | +7 bps | |
| Return on Equity | 8.33% | 8.92% | 9.14% | 7.71% | 8.61% | +28 bps | |
| Net Interest Margin | 4.11% | 4.19% | 4.17% | 4.27% | 4.53% | +43 bps | |
| Efficiency Ratio | 75.97% | 76.27% | 76.69% | 78.83% | 77.71% | +174 bps | |
| Non-Interest Burden | 2.87% | 2.99% | 3.02% | 3.25% | 3.40% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.96% | 49.49% | 13.44% | 20.49% | 4.04% | -393 bps | |
| Loan Growth (YoY) | -7.38% | -3.84% | -2.67% | -3.15% | -6.02% | +136 bps | |
| Deposit Growth (YoY) | 16.74% | 61.81% | 17.79% | 22.75% | 2.64% | -1,410 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.03% | 0.08% | 0.02% | +2 bps | |
| Net Charge-Offs / Loans | 1.50% | 0.98% | 0.79% | 0.00% | 0.01% | -150 bps | |
| Allowance / Loans | 2.33% | 2.25% | 2.28% | 2.33% | 2.54% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 75.6x | 30.5x | 104.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.79% | 12.40% | 12.09% | 11.80% | 12.20% | -60 bps | |
| Total Risk-Based Capital | 12.79% | 12.40% | 12.09% | 11.80% | 12.20% | -60 bps | |
| Equity / Assets | 8.61% | 7.03% | 9.58% | 9.24% | 9.78% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.99% | 42.81% | 56.28% | 53.84% | 54.01% | -497 bps | |
| Liquid Assets / Assets | 4.03% | 28.06% | 3.66% | 8.31% | 3.68% | -35 bps | |
| CRE / Total Capital | n/a | 250% | 256% | 251% | n/a | n/a | |