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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 1.90% | 1.64% | 1.94% | 1.95% | 2.02% | 1.86% | 2.14% | +19 bps | |
| Return on Equity | 17.22% | 16.96% | 14.48% | 16.05% | 15.30% | 16.11% | 15.06% | 16.84% | +79 bps | |
| Net Interest Margin | 3.74% | 3.77% | 3.62% | 4.03% | 4.08% | 4.29% | 4.20% | 4.41% | +38 bps | |
| Efficiency Ratio | 50.48% | 50.72% | 56.06% | 52.42% | 51.69% | 52.12% | 54.72% | 50.99% | -144 bps | |
| Non-Interest Burden | 1.24% | 1.26% | 1.50% | 1.45% | 1.51% | 1.65% | 1.73% | 1.62% | +17 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% | -0.01% | -1 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 | |