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Castroville State Bank

Castroville, TX · Cert 17979

State charter, non-member · FDIC · 2 branches

Q2 2026

$269.7MAssets
$186.4MLoans
$241.3MDeposits
$27.9MEquity
Loan mix
89%RE $156.0M8%C&I $14.6M3%Consumer $4.9MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $193.9M20%Noninterest $47.4MQ2 2025Q2 2026

NIM

4.81%Q2 ’245.04%Q2 ’255.16%Q2 ’26+20%+10%

Non-interest income vs. expense

1.88%Q2 ’242.03%Q2 ’251.95%Q2 ’26+10%-4%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #25 of 66 inst. · $0.2B of $175.0B

Executive Summary

  • Earnings: ROA of 1.41%, up 27 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (-21 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.93%, up 40 bps from a year ago.
  • Funding: loans stand at 77.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.56%+31 bps YoY

Efficiency Ratio (YTD, annualized)

51.14%-674 bps YoY

Tier 1 Leverage Ratio

10.93%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%1.13%1.10%1.26%1.41%+27 bps
Return on Equity12.76%12.47%12.22%14.08%15.00%+224 bps
Net Interest Margin3.25%3.24%3.24%3.39%3.56%+31 bps
Efficiency Ratio57.88%57.78%58.26%52.58%51.14%-674 bps
Non-Interest Burden1.77%1.76%1.78%1.68%1.70%-7 bps
Growth
Asset Growth (YoY)-4.02%2.93%15.38%5.45%4.80%+882 bps
Loan Growth (YoY)3.61%4.43%5.32%2.75%2.86%-75 bps
Deposit Growth (YoY)-7.30%-0.39%15.21%4.73%6.69%+1,399 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.26%0.19%0.07%0.00%-21 bps
Net Charge-Offs / Loans0.04%0.04%0.05%0.18%0.08%+4 bps
Allowance / Loans1.14%1.14%1.13%1.12%1.10%-4 bps
Allowance Coverage of NPLs5.5x4.4x6.0x15.3xn/an/a
Capital
Tier 1 Leverage Ratio10.53%10.77%10.70%10.22%10.93%+40 bps
Total Risk-Based Capital10.53%10.77%10.70%10.22%10.93%+40 bps
Equity / Assets9.57%9.64%8.61%9.28%10.34%+78 bps
Liquidity & Funding
Loans / Deposits80.12%76.22%65.12%68.92%77.25%-287 bps
Liquid Assets / Assets0.40%6.58%16.40%13.44%4.69%+429 bps
CRE / Total Capitaln/a161.73%177.39%173.72%n/an/a