Pleasanton, TX · Cert 24064
State charter, non-member · FDIC · 1 branch
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
57
Asset Quality
4
Profitability
16
Liquidity
0
Efficiency
20
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.
Pleasanton, TX · Cert 24064
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #50 of 66 inst. · $0.1B of $175.0B
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 | 1.23% | 1.08% | 1.06% | 1.15% | 1.13% | 0.34% | 0.33% | 0.60% | -55 bps | |
| Return on Equity | 13.55% | 11.85% | 10.97% | 11.66% | 10.95% | 3.22% | 2.85% | 5.12% | -654 bps | |
| Net Interest Margin | 2.94% | 2.82% | 2.76% | 2.84% | 2.91% | 2.97% | 2.70% | 2.79% | -5 bps | |
| Efficiency Ratio | 52.13% | 55.65% | 58.22% | 56.07% | 57.63% | 55.30% | 88.28% | 76.51% | +2,044 bps | |
| Non-Interest Burden | 1.44% | 1.50% | 1.55% | 1.52% | 1.61% | 1.57% | 2.36% | 2.10% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.89% | -1.44% | -1.31% | 4.72% | 1.40% | 1.56% | -2.17% | -7.03% | -1,174 bps | |
| Loan Growth (YoY) | 16.35% | 15.24% | 17.93% | 27.30% | 14.52% | 14.32% | 5.23% | -10.38% | -3,768 bps | |
| Deposit Growth (YoY) | -5.94% | -1.95% | -2.98% | 3.42% | 0.02% | -0.89% | -3.82% | -9.04% | -1,246 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 5.10% | 0.00% | 3.32% | 3.26% | 2.89% | -221 bps | |
| Net Charge-Offs / Loans | 0.31% | 0.23% | 0.00% | 0.00% | 0.00% | 3.06% | 0.00% | -0.44% | -44 bps | |
| Allowance / Loans | 0.86% | 1.23% | 1.17% | 1.01% | 1.25% | 1.42% | 1.46% | 1.71% | +70 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.2x | n/a | 0.4x | 0.4x | 0.6x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.03% | 13.63% | 14.13% | 14.35% | 14.37% | 14.00% | 14.38% | 15.25% | +90 bps | |
| Total Risk-Based Capital | 14.03% | 13.63% | 14.13% | 14.35% | 14.37% | 14.00% | 14.38% | 15.25% | +90 bps | |
| Equity / Assets | 10.32% | 9.06% | 10.23% | 10.30% | 11.53% | 11.25% | 11.72% | 12.21% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 24.67% | 24.20% | 25.91% | 29.52% | 28.24% | 27.92% | 28.35% | 29.09% | -44 bps | |
| Liquid Assets / Assets | 14.80% | 18.43% | 14.94% | 11.26% | 14.01% | 16.98% | 16.87% | 15.34% | +408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 41.48% | 43.82% | 43.19% | n/a | n/a | |
Pleasanton, TX · Cert 24064 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.62%
Rank 174 of 211
Net Interest Margin
2.79%
Rank 186 of 211
Efficiency Ratio
76.51%
Rank 170 of 211
Equity / Assets
12.21%
Rank 71 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.87% | 1.20% | 1.65% | Beats 18% | 174 / 211 | ||
| Return on Equity | 5.11% | 7.52% | 11.67% | 14.58% | Beats 17% | 176 / 211 | ||
| Net Interest Margin | 2.79% | 3.28% | 3.82% | 4.31% | Beats 12% | 186 / 211 | ||
| Efficiency Ratio | 76.51% | 53.01% | 64.18% | 73.65% | Beats 20% | 170 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.89% | 0.01% | 0.30% | 1.10% | Beats 6% | 197 / 208 | ||
| Net Charge-Offs / Loans | 0.76% | 0.00% | 0.01% | 0.06% | Beats 1% | 206 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.25% | 11.72% | 14.45% | 19.57% | Beats 55% | 94 / 211 | ||
| Total Risk-Based Capital Ratio | 15.25% | 11.94% | 14.78% | 20.30% | Beats 51% | 103 / 211 | ||
| Equity / Assets | 12.21% | 9.41% | 11.06% | 12.94% | Beats 66% | 71 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.09% | 45.39% | 66.56% | 82.03% | 9th pctl | 190 / 208 | ||
| Loans / Assets | 25.45% | 39.13% | 56.90% | 70.46% | 10th pctl | 190 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||