Castroville, TX · Cert 17979
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #25 of 66 inst. · $0.2B of $175.0B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.75% | 1.13% | 1.13% | 1.13% | 1.10% | 1.26% | 1.41% | +27 bps | |
| Return on Equity | 8.63% | 9.12% | 13.21% | 12.76% | 12.47% | 12.22% | 14.08% | 15.00% | +224 bps | |
| Net Interest Margin | 2.72% | 2.78% | 3.14% | 3.25% | 3.24% | 3.24% | 3.39% | 3.56% | +31 bps | |
| Efficiency Ratio | 63.39% | 63.27% | 57.86% | 57.88% | 57.78% | 58.26% | 52.58% | 51.14% | -674 bps | |
| Non-Interest Burden | 1.62% | 1.66% | 1.72% | 1.77% | 1.76% | 1.78% | 1.68% | 1.70% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.91% | 1.37% | 0.24% | -4.02% | 2.93% | 15.38% | 5.45% | 4.80% | +882 bps | |
| Loan Growth (YoY) | -3.48% | -4.70% | -1.32% | 3.61% | 4.43% | 5.32% | 2.75% | 2.86% | -75 bps | |
| Deposit Growth (YoY) | 2.15% | 2.61% | -0.13% | -7.30% | -0.39% | 15.21% | 4.73% | 6.69% | +1,399 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.24% | 0.21% | 0.21% | 0.26% | 0.19% | 0.07% | 0.00% | -21 bps | |
| Net Charge-Offs / Loans | 0.49% | 0.41% | 0.07% | 0.04% | 0.04% | 0.05% | 0.18% | 0.08% | +4 bps | |
| Allowance / Loans | 1.17% | 1.16% | 1.14% | 1.14% | 1.14% | 1.13% | 1.12% | 1.10% | -4 bps | |
| Allowance Coverage of NPLs | 4.2x | 4.9x | 5.4x | 5.5x | 4.4x | 6.0x | 15.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.85% | 9.99% | 9.83% | 10.53% | 10.77% | 10.70% | 10.22% | 10.93% | +40 bps | |
| Total Risk-Based Capital | 9.85% | 9.99% | 9.83% | 10.53% | 10.77% | 10.70% | 10.22% | 10.93% | +40 bps | |
| Equity / Assets | 8.92% | 8.44% | 8.68% | 9.57% | 9.64% | 8.61% | 9.28% | 10.34% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.70% | 71.23% | 70.25% | 80.12% | 76.22% | 65.12% | 68.92% | 77.25% | -287 bps | |
| Liquid Assets / Assets | 6.56% | 5.65% | 8.18% | 0.40% | 6.58% | 16.40% | 13.44% | 4.69% | +429 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 161.73% | 177.39% | 173.72% | n/a | n/a | |