PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Producer Bank of Texas

Powell, TX · Cert 18302 · Producer Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$58.7MAssets
$26.0MLoans
$43.3MDeposits
$13.8MEquity
Loan mix
55%RE $12.3M35%C&I $7.8M11%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $31.2M28%Noninterest $12.1MQ2 2025Q2 2026

NIM

5.86%Q2 ’245.22%Q2 ’255.03%Q2 ’26-3%-6%

Non-interest income vs. expense

4.34%Q2 ’245.23%Q2 ’255.13%Q2 ’26+36%-4%

Market Position · Beaumont-Port Arthur, TX · 2026 SOD (annual) · 0.2% share · #16 of 20 inst. · $0.0B of $7.7B

2.6% Navarro
0.2% Jefferson

Executive Summary

  • Earnings: ROA of -0.33%, up 48 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.58% of loans (-467 bps YoY), with net recoveries of 0.32%.
  • Capital: tier 1 leverage ratio of 18.61%, down 709 bps from a year ago.
  • Funding: loans stand at 60.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.33%+48 bps YoY

Net Interest Margin (quarter, annualized)

4.02%-28 bps YoY

Efficiency Ratio (quarter, annualized)

115.25%+71 bps YoY

Tier 1 Leverage Ratio

18.61%-709 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.81%-2.81%0.75%-1.32%-0.33%+48 bps
Return on Equity-2.79%-9.70%2.74%-5.27%-1.39%+140 bps
Net Interest Margin4.30%4.34%4.00%3.83%4.02%-28 bps
Efficiency Ratio114.53%140.64%120.00%118.54%115.25%+71 bps
Non-Interest Burden4.81%6.09%4.82%4.59%4.63%-18 bps
Growth
Asset Growth (YoY)48.75%54.81%9.56%13.76%21.59%-2,716 bps
Loan Growth (YoY)-8.19%10.73%20.26%48.89%53.55%+6,173 bps
Deposit Growth (YoY)14.01%20.29%14.08%22.76%35.20%+2,119 bps
Asset Quality
Nonperforming Loans / Loans5.25%4.29%0.83%0.67%0.58%-467 bps
Net Charge-Offs / Loans1.51%0.06%11.49%-1.01%-0.32%-183 bps
Allowance / Loans8.24%7.32%4.18%3.78%3.07%-518 bps
Allowance Coverage of NPLs1.6x1.7x5.0x5.6x5.3x+3.7x
Capital
Tier 1 Leverage Ratio25.70%24.68%21.42%20.22%18.61%-709 bps
Total Risk-Based Capital25.70%24.68%21.42%20.22%18.61%-709 bps
Equity / Assets29.61%28.34%26.27%23.99%23.50%-611 bps
Liquidity & Funding
Loans / Deposits53.00%59.56%53.39%56.43%60.19%+719 bps
Liquid Assets / Assets33.77%27.89%41.91%27.52%25.17%-860 bps
CRE / Total Capitaln/a41.36%54.28%70.50%n/an/a