Kress, TX · Cert 18892 · Kress National Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.07% | 0.81% | 0.82% | 1.19% | -6 bps | |
| Return on Equity | 11.98% | 10.38% | 8.02% | 8.43% | 12.92% | +94 bps | |
| Net Interest Margin | 3.53% | 3.36% | 3.27% | 2.85% | 3.28% | -25 bps | |
| Efficiency Ratio | 57.06% | 60.00% | 67.40% | 64.58% | 56.15% | -91 bps | |
| Non-Interest Burden | 1.94% | 1.95% | 2.14% | 1.78% | 1.78% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.31% | 25.15% | 22.97% | 17.74% | 17.47% | +817 bps | |
| Loan Growth (YoY) | 5.15% | 2.84% | -16.42% | -10.50% | -16.33% | -2,147 bps | |
| Deposit Growth (YoY) | 9.28% | 27.72% | 24.82% | 19.30% | 19.57% | +1,029 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.00% | 0.00% | -0.47% | -45 bps | |
| Allowance / Loans | 1.97% | 1.87% | 2.37% | 2.44% | 2.54% | +57 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.82% | 10.94% | 10.82% | 10.07% | 9.64% | -118 bps | |
| Total Risk-Based Capital | 26.59% | 25.58% | 30.42% | 31.84% | 30.96% | +437 bps | |
| Equity / Assets | 10.73% | 9.93% | 10.33% | 9.15% | 9.34% | -139 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.83% | 35.40% | 29.02% | 25.49% | 26.47% | -1,136 bps | |
| Liquid Assets / Assets | 34.82% | 27.61% | 36.58% | 43.87% | 34.11% | -71 bps | |
| CRE / Total Capital | n/a | 20.08% | 20.07% | 20.07% | n/a | n/a | |