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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.13% | 0.34% | 0.33% | 0.60% | -55 bps | |
| Return on Equity | 11.66% | 10.95% | 3.22% | 2.85% | 5.12% | -654 bps | |
| Net Interest Margin | 2.84% | 2.91% | 2.97% | 2.70% | 2.79% | -5 bps | |
| Efficiency Ratio | 56.07% | 57.63% | 55.30% | 88.28% | 76.51% | +2,044 bps | |
| Non-Interest Burden | 1.52% | 1.61% | 1.57% | 2.36% | 2.10% | +58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.72% | 1.40% | 1.56% | -2.17% | -7.03% | -1,174 bps | |
| Loan Growth (YoY) | 27.30% | 14.52% | 14.32% | 5.23% | -10.38% | -3,768 bps | |
| Deposit Growth (YoY) | 3.42% | 0.02% | -0.89% | -3.82% | -9.04% | -1,246 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 5.10% | 0.00% | 3.32% | 3.26% | 2.89% | -221 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 3.06% | 0.00% | -0.44% | -44 bps | |
| Allowance / Loans | 1.01% | 1.25% | 1.42% | 1.46% | 1.71% | +70 bps | |
| Allowance Coverage of NPLs | 0.2x | n/a | 0.4x | 0.4x | 0.6x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.35% | 14.37% | 14.00% | 14.38% | 15.25% | +90 bps | |
| Total Risk-Based Capital | 14.35% | 14.37% | 14.00% | 14.38% | 15.25% | +90 bps | |
| Equity / Assets | 10.30% | 11.53% | 11.25% | 11.72% | 12.21% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.52% | 28.24% | 27.92% | 28.35% | 29.09% | -44 bps | |
| Liquid Assets / Assets | 11.26% | 14.01% | 16.98% | 16.87% | 15.34% | +408 bps | |
| CRE / Total Capital | n/a | 41.48% | 43.82% | 43.19% | n/a | n/a | |