Atascosa Bank
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
$81.7MAssets
$20.8MLoans
$71.5MDeposits
$10.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 66% of banks under $1B in assets in TX (rank 71 of 211).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets in TX (rank 206 of 208).
- Overall: at or above the peer median on 3 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 20% of banks under $1B in assets in TX | 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 |