San Angelo, TX · Cert 18698 · Texas Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
82
Profitability
82
Liquidity
45
Efficiency
75
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Angelo, TX · Cert 18698 · Texas Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 10.3% share · #4 of 15 inst. · $0.4B of $3.4B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.75% | 1.64% | 1.79% | 1.84% | 1.89% | 1.86% | 1.99% | +21 bps | |
| Return on Equity | 16.72% | 16.96% | 14.48% | 15.29% | 15.27% | 15.69% | 15.06% | 15.97% | +68 bps | |
| Net Interest Margin | 3.62% | 3.54% | 3.62% | 3.91% | 3.93% | 3.98% | 4.20% | 4.28% | +37 bps | |
| Efficiency Ratio | 52.84% | 52.28% | 56.06% | 54.18% | 53.33% | 53.01% | 54.72% | 52.80% | -137 bps | |
| Non-Interest Burden | 1.32% | 1.26% | 1.50% | 1.51% | 1.50% | 1.52% | 1.73% | 1.67% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.59% | -3.48% | 2.08% | 3.52% | 4.47% | 1.63% | 1.64% | 2.24% | -128 bps | |
| Loan Growth (YoY) | 12.95% | 10.68% | 7.34% | 6.12% | 8.25% | 6.85% | 8.36% | 9.78% | +366 bps | |
| Deposit Growth (YoY) | -0.26% | -6.53% | 2.91% | 1.44% | 6.34% | 6.31% | 6.53% | 4.89% | +344 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.88% | 0.92% | 0.94% | 0.94% | 0.94% | 0.94% | 0.94% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.15% | 12.51% | 12.58% | 13.75% | 14.10% | 12.94% | 13.45% | 13.58% | -17 bps | |
| Total Risk-Based Capital | 18.84% | 20.52% | 19.38% | 21.79% | 22.27% | 20.30% | 13.45% | 13.58% | -821 bps | |
| Equity / Assets | 11.62% | 10.83% | 11.76% | 12.47% | 13.04% | 12.08% | 12.60% | 12.77% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.00% | 74.69% | 74.18% | 75.81% | 76.35% | 75.07% | 75.46% | 79.35% | +354 bps | |
| Liquid Assets / Assets | 2.56% | 3.56% | 5.26% | 4.76% | 6.10% | 5.26% | 3.83% | 3.19% | -157 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 159.59% | 168.20% | 173.26% | n/a | n/a | |
San Angelo, TX · Cert 18698 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
2.00%
Rank 19 of 211
Net Interest Margin
4.28%
Rank 59 of 211
Efficiency Ratio
53.01%
Rank 53 of 211
Equity / Assets
12.77%
Rank 59 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.00% | 0.87% | 1.20% | 1.65% | Beats 91% | 19 / 211 | ||
| Return on Equity | 15.64% | 7.52% | 11.67% | 14.58% | Beats 82% | 38 / 211 | ||
| Net Interest Margin | 4.28% | 3.28% | 3.82% | 4.31% | Beats 72% | 59 / 211 | ||
| Efficiency Ratio | 53.01% | 53.01% | 64.18% | 73.65% | Beats 75% | 53 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 64% | 77 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.58% | 11.72% | 14.45% | 19.57% | Beats 45% | 117 / 211 | ||
| Total Risk-Based Capital Ratio | 13.58% | 11.94% | 14.78% | 20.30% | Beats 42% | 123 / 211 | ||
| Equity / Assets | 12.77% | 9.41% | 11.06% | 12.94% | Beats 72% | 59 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.35% | 45.39% | 66.56% | 82.03% | 71st pctl | 61 / 208 | ||
| Loans / Assets | 66.04% | 39.13% | 56.90% | 70.46% | 67th pctl | 69 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||