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Atascosa Bank

Pleasanton, TX · Cert 24064

State charter, non-member · FDIC · 1 branch

Q2 2026

$81.7MAssets
$20.8MLoans
$71.5MDeposits
$10.0MEquity
Loan mix
58%RE $11.3M34%C&I $6.7M8%Consumer $1.6MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $44.7M37%Noninterest $26.8MQ2 2025Q2 2026

NIM

3.88%Q2 ’244.02%Q2 ’253.72%Q2 ’26+0%-6%

Non-interest income vs. expense

1.63%Q2 ’241.68%Q2 ’251.87%Q2 ’26+5%+15%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #50 of 66 inst. · $0.1B of $175.0B

Executive Summary

  • Earnings: ROA of 0.88%, down 36 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 2.89% of loans (-221 bps YoY), with net recoveries of 0.88%.
  • Capital: tier 1 leverage ratio of 15.25%, up 90 bps from a year ago.
  • Funding: loans stand at 29.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.88%-36 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-17 bps YoY

Efficiency Ratio (quarter, annualized)

64.35%+1,028 bps YoY

Tier 1 Leverage Ratio

15.25%+90 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.08%-2.00%0.33%0.88%-36 bps
Return on Equity12.14%9.86%-17.59%2.85%7.39%-475 bps
Net Interest Margin2.93%3.08%3.07%2.70%2.76%-17 bps
Efficiency Ratio54.07%60.51%48.56%88.28%64.35%+1,028 bps
Non-Interest Burden1.50%1.81%1.42%2.36%1.72%+22 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 / Loans5.10%0.00%3.32%3.26%2.89%-221 bps
Net Charge-Offs / Loans0.00%0.00%12.23%0.00%-0.88%-88 bps
Allowance / Loans1.01%1.25%1.42%1.46%1.71%+70 bps
Allowance Coverage of NPLs0.2xn/a0.4x0.4x0.6x+0.4x
Capital
Tier 1 Leverage Ratio14.35%14.37%14.00%14.38%15.25%+90 bps
Total Risk-Based Capital14.35%14.37%14.00%14.38%15.25%+90 bps
Equity / Assets10.30%11.53%11.25%11.72%12.21%+191 bps
Liquidity & Funding
Loans / Deposits29.52%28.24%27.92%28.35%29.09%-44 bps
Liquid Assets / Assets11.26%14.01%16.98%16.87%15.34%+408 bps
CRE / Total Capitaln/a41.48%43.82%43.19%n/an/a