Llano, TX · Cert 24305 · Hill Country Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
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 | 1.06% | 1.06% | 1.04% | 0.96% | 1.02% | -4 bps | |
| Return on Equity | 12.68% | 12.16% | 11.80% | 9.88% | 10.26% | -242 bps | |
| Net Interest Margin | 3.36% | 3.38% | 3.40% | 3.42% | 3.57% | +21 bps | |
| Efficiency Ratio | 68.48% | 68.80% | 68.80% | 69.54% | 70.13% | +165 bps | |
| Non-Interest Burden | 2.17% | 2.19% | 2.21% | 2.26% | 2.38% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.43% | 0.64% | 10.50% | 3.82% | -0.21% | -264 bps | |
| Loan Growth (YoY) | 5.34% | 2.31% | 1.67% | 2.48% | 4.03% | -131 bps | |
| Deposit Growth (YoY) | 3.97% | 2.23% | 12.26% | 4.21% | -0.88% | -485 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.73% | 0.79% | 0.43% | 0.45% | -8 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.09% | 0.10% | 0.43% | 0.19% | +14 bps | |
| Allowance / Loans | 2.29% | 2.25% | 2.23% | 1.89% | 1.92% | -37 bps | |
| Allowance Coverage of NPLs | 4.3x | 3.1x | 2.8x | 4.4x | 4.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.45% | 12.62% | 12.67% | 12.37% | 13.11% | +66 bps | |
| Total Risk-Based Capital | 12.45% | 12.62% | 12.67% | 12.37% | 13.11% | +66 bps | |
| Equity / Assets | 8.50% | 9.73% | 9.41% | 9.93% | 10.50% | +200 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.21% | 63.61% | 57.86% | 63.44% | 65.29% | +308 bps | |
| Liquid Assets / Assets | 5.12% | 2.90% | 9.70% | 5.04% | 2.76% | -236 bps | |
| CRE / Total Capital | n/a | 163.76% | 157.97% | 175.60% | n/a | n/a | |