San Benito, TX · Cert 22964 · First San Benito Bancshares
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Brownsville-Harlingen, TX · 2026 SOD (annual) · 8.3% share · #5 of 19 inst. · $0.5B of $6.6B
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 | 1.41% | 1.49% | 1.52% | 1.55% | 1.62% | 1.70% | 1.71% | 1.78% | +24 bps | |
| Return on Equity | 21.52% | 22.41% | 20.91% | 21.17% | 21.68% | 22.10% | 20.05% | 20.69% | -47 bps | |
| Net Interest Margin | 3.51% | 3.58% | 3.84% | 3.94% | 3.92% | 4.00% | 4.03% | 4.10% | +15 bps | |
| Efficiency Ratio | 57.52% | 56.85% | 57.21% | 57.41% | 56.39% | 55.83% | 56.30% | 55.21% | -220 bps | |
| Non-Interest Burden | 1.76% | 1.75% | 1.92% | 2.00% | 1.94% | 1.95% | 2.00% | 1.99% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.37% | 2.50% | -4.15% | -2.06% | 3.42% | 6.05% | 8.17% | 4.33% | +640 bps | |
| Loan Growth (YoY) | 11.20% | 8.57% | 2.53% | 2.80% | 3.28% | 1.40% | -0.80% | -2.47% | -527 bps | |
| Deposit Growth (YoY) | 5.61% | 4.80% | 0.46% | 2.40% | 6.20% | 6.90% | 8.97% | 4.40% | +201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | 0.06% | 0.06% | 0.01% | -6 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.03% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.24% | 1.26% | 1.26% | 1.28% | 1.29% | 1.29% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 20.1x | 20.3x | 20.2x | 20.1x | 231.1x | +211.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.21% | 9.47% | 9.79% | 9.91% | 9.82% | 10.13% | 10.21% | 10.36% | +45 bps | |
| Total Risk-Based Capital | 14.25% | 14.76% | 9.79% | 9.91% | 9.82% | 10.13% | 10.21% | 10.36% | +45 bps | |
| Equity / Assets | 7.16% | 6.99% | 7.54% | 7.38% | 7.94% | 8.52% | 8.58% | 8.75% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.26% | 72.20% | 73.14% | 71.64% | 68.33% | 68.48% | 66.58% | 66.93% | -471 bps | |
| Liquid Assets / Assets | 5.18% | 1.34% | 1.16% | 4.94% | 8.71% | 7.23% | 9.47% | 9.33% | +439 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 395% | 377% | 360% | n/a | n/a | |