Lake Jackson, TX · Cert 18895 · Austin Colony Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #64 of 107 inst. · $0.2B of $360.4B
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 | -0.05% | -0.16% | -0.10% | -0.02% | 0.09% | 0.17% | 0.27% | 0.21% | +23 bps | |
| Return on Equity | -7.19% | -14.19% | -21.15% | -1.91% | 4.37% | 5.40% | 8.31% | 6.77% | +867 bps | |
| Net Interest Margin | 1.17% | 1.29% | 1.38% | 1.56% | 1.59% | 1.68% | 1.66% | 1.56% | 0 bps | |
| Efficiency Ratio | 103.77% | 107.63% | 100.33% | 88.26% | 93.49% | 84.56% | 82.56% | 87.55% | -71 bps | |
| Non-Interest Burden | 1.22% | 1.39% | 1.39% | 1.37% | 1.48% | 1.41% | 1.35% | 1.35% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -7.16% | -5.72% | -4.07% | -5.74% | -1.45% | 1.94% | -3.60% | +48 bps | |
| Loan Growth (YoY) | 6.23% | 17.74% | 26.50% | 50.10% | 43.86% | 51.37% | 40.19% | 9.57% | -4,054 bps | |
| Deposit Growth (YoY) | 3.22% | 5.16% | 6.51% | 7.71% | -1.48% | -4.79% | -0.49% | -5.49% | -1,320 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% | 0.01% | 0.04% | 0.00% | 0.02% | 0.01% | 0.00% | -0.18% | -18 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.14% | 1.10% | 1.11% | 1.06% | 1.06% | 1.07% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 251.5x | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.58% | 10.52% | 10.98% | 12.06% | 11.98% | 11.03% | 11.73% | +75 bps | |
| Total Risk-Based Capital | 42.29% | 41.23% | 38.37% | 35.64% | 35.91% | 33.88% | 34.70% | 34.94% | -70 bps | |
| Equity / Assets | 2.18% | 0.10% | 0.86% | 1.07% | 3.09% | 3.21% | 3.19% | 2.95% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.71% | 15.60% | 17.72% | 20.40% | 24.40% | 24.80% | 24.96% | 23.65% | +325 bps | |
| Liquid Assets / Assets | 9.14% | 6.81% | 16.52% | 17.97% | 5.10% | 8.43% | 11.45% | 14.21% | -376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 134.85% | 155.64% | 154.94% | n/a | n/a | |