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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.22% | 1.30% | 1.29% | 1.38% | +19 bps | |
| Return on Equity | 11.14% | 11.43% | 12.24% | 12.55% | 13.29% | +215 bps | |
| Net Interest Margin | 3.87% | 3.86% | 3.75% | 3.86% | 3.99% | +12 bps | |
| Efficiency Ratio | 61.31% | 60.75% | 59.52% | 58.80% | 57.02% | -429 bps | |
| Non-Interest Burden | 2.24% | 2.22% | 2.11% | 2.14% | 2.14% | -11 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.97% | 5.86% | 10.49% | 11.98% | 11.30% | +733 bps | |
| Loan Growth (YoY) | 17.79% | 15.44% | 17.90% | 21.89% | 17.20% | -58 bps | |
| Deposit Growth (YoY) | 3.71% | 6.14% | 10.80% | 12.41% | 11.72% | +800 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.02% | 0.01% | 0.01% | 0.01% | -3 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.02% | 0.00% | 0.00% | -6 bps | |
| Allowance / Loans | 1.16% | 1.16% | 1.12% | 1.09% | 1.11% | -5 bps | |
| Allowance Coverage of NPLs | 29.4x | 59.8x | 80.2x | 99.8x | 118.7x | +89.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.72% | 10.65% | 10.50% | 9.89% | 10.38% | -34 bps | |
| Total Risk-Based Capital | 16.94% | 16.65% | 16.22% | 15.28% | 15.73% | -120 bps | |
| Equity / Assets | 10.75% | 10.69% | 10.55% | 10.08% | 10.42% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.86% | 70.60% | 70.99% | 71.80% | 73.30% | +343 bps | |
| Liquid Assets / Assets | 11.30% | 13.14% | 8.95% | 12.45% | 12.36% | +105 bps | |
| CRE / Total Capital | n/a | 394% | 410% | 425% | n/a | n/a | |