Clute, TX · Cert 17950 · FSB Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #53 of 107 inst. · $0.4B of $360.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.58% | 1.57% | 1.32% | 1.55% | -1 bps | |
| Return on Equity | 17.27% | 17.23% | 17.24% | 14.67% | 17.22% | -4 bps | |
| Net Interest Margin | 4.00% | 3.90% | 3.99% | 4.15% | 4.11% | +11 bps | |
| Efficiency Ratio | 52.20% | 51.66% | 52.69% | 52.35% | 50.32% | -189 bps | |
| Non-Interest Burden | 1.77% | 1.71% | 1.81% | 2.03% | 1.86% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.67% | 13.26% | 19.80% | 18.08% | 15.36% | -131 bps | |
| Loan Growth (YoY) | 16.57% | 14.38% | 17.27% | 16.05% | 14.86% | -171 bps | |
| Deposit Growth (YoY) | 16.46% | 12.50% | 19.37% | 18.75% | 15.16% | -130 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.30% | 1.91% | 1.36% | 1.75% | 1.38% | -92 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.11% | 0.11% | 0.13% | 0.09% | -2 bps | |
| Allowance / Loans | 1.30% | 1.38% | 1.36% | 1.42% | 1.43% | +13 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.7x | 1.0x | 0.8x | 1.0x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.84% | 9.59% | 9.60% | 9.51% | 9.48% | -37 bps | |
| Total Risk-Based Capital | 14.71% | 15.32% | 14.25% | 14.27% | 14.64% | -7 bps | |
| Equity / Assets | 9.18% | 9.41% | 8.97% | 8.97% | 9.08% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.88% | 83.54% | 81.56% | 82.22% | 82.66% | -22 bps | |
| Liquid Assets / Assets | 9.28% | 10.78% | 10.55% | 9.55% | 10.38% | +111 bps | |
| CRE / Total Capital | n/a | 329% | 331% | 335% | n/a | n/a | |