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 | |