Gonzales, TX · Cert 25621 · ANB Bancshares Inc.
State charter, non-member · FDIC · 7 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
49
Asset Quality
70
Profitability
62
Liquidity
71
Efficiency
67
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.
Gonzales, TX · Cert 25621 · ANB Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.3% share · #36 of 73 inst. · $0.2B of $70.4B
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 | 1.21% | 1.25% | 1.04% | 1.19% | 1.22% | 1.30% | 1.29% | 1.38% | +19 bps | |
| Return on Equity | 11.57% | 11.94% | 9.85% | 11.14% | 11.43% | 12.24% | 12.55% | 13.29% | +215 bps | |
| Net Interest Margin | 3.58% | 3.60% | 3.65% | 3.87% | 3.86% | 3.75% | 3.86% | 3.99% | +12 bps | |
| Efficiency Ratio | 60.08% | 59.40% | 65.03% | 61.31% | 60.75% | 59.52% | 58.80% | 57.02% | -429 bps | |
| Non-Interest Burden | 2.02% | 2.00% | 2.26% | 2.24% | 2.22% | 2.11% | 2.14% | 2.14% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 0.97% | 6.41% | 3.97% | 5.86% | 10.49% | 11.98% | 11.30% | +733 bps | |
| Loan Growth (YoY) | 11.20% | 11.72% | 16.16% | 17.79% | 15.44% | 17.90% | 21.89% | 17.20% | -58 bps | |
| Deposit Growth (YoY) | 2.65% | 0.09% | 6.26% | 3.71% | 6.14% | 10.80% | 12.41% | 11.72% | +800 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.05% | 0.04% | 0.02% | 0.01% | 0.01% | 0.01% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | 0.03% | 0.02% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.18% | 1.22% | 1.22% | 1.16% | 1.16% | 1.12% | 1.09% | 1.11% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 23.8x | 29.4x | 59.8x | 80.2x | 99.8x | 118.7x | +89.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.67% | 10.76% | 10.32% | 10.72% | 10.65% | 10.50% | 9.89% | 10.38% | -34 bps | |
| Total Risk-Based Capital | 18.27% | 18.72% | 17.75% | 16.94% | 16.65% | 16.22% | 15.28% | 15.73% | -120 bps | |
| Equity / Assets | 10.88% | 10.77% | 10.43% | 10.75% | 10.69% | 10.55% | 10.08% | 10.42% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.92% | 66.72% | 66.22% | 69.86% | 70.60% | 70.99% | 71.80% | 73.30% | +343 bps | |
| Liquid Assets / Assets | 12.75% | 8.82% | 12.01% | 11.30% | 13.14% | 8.95% | 12.45% | 12.36% | +105 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 394% | 410% | 425% | n/a | n/a | |
Gonzales, TX · Cert 25621 · Peer group: banks under $1B in assets in TX (n=208-211) · ANB Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.36%
Rank 78 of 211
Net Interest Margin
3.99%
Rank 89 of 211
Efficiency Ratio
57.02%
Rank 71 of 211
Equity / Assets
10.42%
Rank 127 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.36% | 0.87% | 1.20% | 1.65% | Beats 63% | 78 / 211 | ||
| Return on Equity | 13.06% | 7.52% | 11.67% | 14.58% | Beats 64% | 75 / 211 | ||
| Net Interest Margin | 3.99% | 3.28% | 3.82% | 4.31% | Beats 58% | 89 / 211 | ||
| Efficiency Ratio | 57.02% | 53.01% | 64.18% | 73.65% | Beats 67% | 71 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.01% | 0.30% | 1.10% | Beats 76% | 51 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 64% | 75 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.63% | 11.72% | 14.45% | 19.57% | Beats 53% | 100 / 211 | ||
| Total Risk-Based Capital Ratio | 15.73% | 11.94% | 14.78% | 20.30% | Beats 55% | 94 / 211 | ||
| Equity / Assets | 10.42% | 9.41% | 11.06% | 12.94% | Beats 40% | 127 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.30% | 45.39% | 66.56% | 82.03% | 60th pctl | 83 / 208 | ||
| Loans / Assets | 65.14% | 39.13% | 56.90% | 70.46% | 64th pctl | 76 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||