Round Top, TX · Cert 19358 · Round Top Bancshares Inc.
State charter, non-member · FDIC · 7 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
29
Asset Quality
62
Profitability
41
Liquidity
90
Efficiency
82
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.
Round Top, TX · Cert 19358 · Round Top Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #33 of 73 inst. · $0.3B of $70.4B
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 | 0.82% | 0.87% | 1.02% | 1.09% | 1.14% | 1.17% | 1.21% | 1.26% | +18 bps | |
| Return on Equity | 9.46% | 9.87% | 10.92% | 11.49% | 11.84% | 12.02% | 11.92% | 12.37% | +87 bps | |
| Net Interest Margin | 2.30% | 2.42% | 2.64% | 2.68% | 2.74% | 2.74% | 2.94% | 2.93% | +24 bps | |
| Efficiency Ratio | 60.14% | 59.19% | 56.94% | 55.24% | 53.27% | 52.20% | 50.90% | 50.10% | -514 bps | |
| Non-Interest Burden | 1.31% | 1.36% | 1.42% | 1.40% | 1.37% | 1.34% | 1.41% | 1.38% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 0.33% | -5.46% | -2.25% | 6.67% | 6.89% | 9.78% | 6.49% | +873 bps | |
| Loan Growth (YoY) | 7.14% | 2.33% | 1.06% | 0.22% | 1.60% | 3.61% | 5.41% | 4.08% | +385 bps | |
| Deposit Growth (YoY) | 1.83% | -0.24% | -0.04% | 3.83% | 6.35% | 5.54% | 9.17% | 5.63% | +179 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.06% | 0.36% | +36 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.90% | 0.92% | 0.91% | 0.90% | 0.89% | 0.91% | 0.89% | 0.89% | -1 bps | |
| Allowance Coverage of NPLs | n/a | 5211.0x | n/a | 2603.5x | n/a | 111.4x | 14.3x | 2.5x | -2601.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.06% | 11.50% | 11.91% | 11.87% | 12.03% | 11.73% | 11.93% | 11.94% | +7 bps | |
| Total Risk-Based Capital | 11.06% | 11.50% | 11.91% | 11.87% | 12.03% | 11.73% | 11.93% | 11.94% | +7 bps | |
| Equity / Assets | 9.76% | 9.08% | 9.60% | 9.64% | 10.10% | 10.25% | 10.05% | 10.35% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.28% | 70.73% | 71.38% | 69.92% | 69.06% | 69.44% | 68.91% | 68.90% | -103 bps | |
| Liquid Assets / Assets | 3.56% | 3.43% | 3.68% | 3.56% | 3.48% | 3.16% | 3.25% | 3.06% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 217% | 219% | n/a | n/a | |
Round Top, TX · Cert 19358 · Peer group: banks under $1B in assets in TX (n=208-211) · Round Top Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.25%
Rank 96 of 211
Net Interest Margin
2.93%
Rank 181 of 211
Efficiency Ratio
50.10%
Rank 40 of 211
Equity / Assets
10.35%
Rank 130 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.25% | 0.87% | 1.20% | 1.65% | Beats 55% | 96 / 211 | ||
| Return on Equity | 12.08% | 7.52% | 11.67% | 14.58% | Beats 53% | 99 / 211 | ||
| Net Interest Margin | 2.93% | 3.28% | 3.82% | 4.31% | Beats 14% | 181 / 211 | ||
| Efficiency Ratio | 50.10% | 53.01% | 64.18% | 73.65% | Beats 82% | 40 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.36% | 0.01% | 0.30% | 1.10% | Beats 48% | 110 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 76% | 51 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.94% | 11.72% | 14.45% | 19.57% | Beats 25% | 158 / 211 | ||
| Total Risk-Based Capital Ratio | 11.94% | 11.94% | 14.78% | 20.30% | Beats 25% | 159 / 211 | ||
| Equity / Assets | 10.35% | 9.41% | 11.06% | 12.94% | Beats 38% | 130 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.90% | 45.39% | 66.56% | 82.03% | 54th pctl | 95 / 208 | ||
| Loans / Assets | 61.56% | 39.13% | 56.90% | 70.46% | 58th pctl | 88 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||