Corpus Christi, TX · Cert 24353 · Coastal Bend Bancshares Inc.
State charter, non-member · FDIC · 14 branches
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
66
Asset Quality
35
Profitability
46
Liquidity
49
Efficiency
24
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.
Corpus Christi, TX · Cert 24353 · Coastal Bend Bancshares Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Market Position · Corpus Christi, TX · 2026 SOD (annual) · 4.1% share · #6 of 16 inst. · $0.3B of $8.1B
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 | 0.79% | 0.87% | 1.05% | 1.12% | 1.10% | 1.01% | 0.68% | 0.95% | -18 bps | |
| Return on Equity | 8.60% | 9.34% | 10.87% | 11.47% | 11.02% | 9.90% | 6.17% | 8.48% | -299 bps | |
| Net Interest Margin | 3.91% | 4.03% | 4.29% | 4.42% | 4.40% | 4.43% | 4.42% | 4.44% | +3 bps | |
| Efficiency Ratio | 77.46% | 76.34% | 73.60% | 71.58% | 71.92% | 74.17% | 77.97% | 74.49% | +291 bps | |
| Non-Interest Burden | 2.87% | 2.91% | 2.99% | 2.97% | 2.98% | 3.11% | 3.31% | 3.11% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | -2.02% | 0.91% | 0.77% | -1.03% | -0.02% | -1.22% | -0.99% | -177 bps | |
| Loan Growth (YoY) | -4.23% | -1.65% | 0.71% | -0.59% | 1.45% | -2.91% | -3.20% | -2.75% | -216 bps | |
| Deposit Growth (YoY) | 6.06% | 6.34% | 7.99% | 3.81% | -2.11% | -1.58% | -2.62% | -2.59% | -640 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.38% | 0.63% | 0.55% | 0.56% | 0.48% | 0.55% | 0.67% | +12 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.03% | 0.03% | 0.05% | -0.01% | -0.01% | -5 bps | |
| Allowance / Loans | 1.78% | 1.72% | 1.57% | 1.65% | 1.71% | 1.69% | 1.74% | 1.78% | +13 bps | |
| Allowance Coverage of NPLs | 4.8x | 4.6x | 2.5x | 3.0x | 3.1x | 3.5x | 3.1x | 2.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 11.11% | 11.17% | 11.53% | 11.60% | 11.84% | 12.14% | 12.44% | +91 bps | |
| Total Risk-Based Capital | 17.23% | 16.92% | 17.11% | 17.63% | 18.01% | 18.47% | 18.38% | 18.89% | +126 bps | |
| Equity / Assets | 9.58% | 9.55% | 9.75% | 10.06% | 10.55% | 11.09% | 10.91% | 11.42% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.71% | 79.20% | 79.78% | 78.45% | 77.42% | 78.13% | 79.30% | 78.32% | -13 bps | |
| Liquid Assets / Assets | 8.74% | 3.36% | 3.80% | 5.89% | 6.23% | 5.11% | 5.48% | 6.64% | +75 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 321% | 338% | n/a | n/a | |
Corpus Christi, TX · Cert 24353 · Peer group: banks under $1B in assets in TX (n=208-211) · Coastal Bend Bancshares Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
Return on Assets
0.94%
Rank 151 of 211
Net Interest Margin
4.44%
Rank 42 of 211
Efficiency Ratio
74.49%
Rank 162 of 211
Equity / Assets
11.42%
Rank 97 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.94% | 0.87% | 1.20% | 1.65% | Beats 28% | 151 / 211 | ||
| Return on Equity | 8.27% | 7.52% | 11.67% | 14.58% | Beats 30% | 147 / 211 | ||
| Net Interest Margin | 4.44% | 3.28% | 3.82% | 4.31% | Beats 80% | 42 / 211 | ||
| Efficiency Ratio | 74.49% | 53.01% | 64.18% | 73.65% | Beats 24% | 162 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.01% | 0.30% | 1.10% | Beats 35% | 136 / 208 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.06% | Beats 35% | 137 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.63% | 11.72% | 14.45% | 19.57% | Beats 71% | 62 / 211 | ||
| Total Risk-Based Capital Ratio | 18.89% | 11.94% | 14.78% | 20.30% | Beats 72% | 59 / 211 | ||
| Equity / Assets | 11.42% | 9.41% | 11.06% | 12.94% | Beats 54% | 97 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.32% | 45.39% | 66.56% | 82.03% | 70th pctl | 62 / 208 | ||
| Loans / Assets | 68.79% | 39.13% | 56.90% | 70.46% | 73rd pctl | 58 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||