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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.39% | 1.04% | 1.32% | 1.28% | 1.55% | 1.29% | 1.45% | +12 bps | |
| Return on Equity | 12.29% | 12.88% | 9.85% | 12.49% | 11.97% | 14.63% | 12.55% | 14.11% | +162 bps | |
| Net Interest Margin | 3.67% | 3.83% | 3.65% | 4.06% | 3.93% | 4.01% | 3.86% | 4.07% | +1 bps | |
| Efficiency Ratio | 57.50% | 57.52% | 65.03% | 57.91% | 59.65% | 56.15% | 58.80% | 55.31% | -260 bps | |
| Non-Interest Burden | 1.96% | 2.04% | 2.26% | 2.22% | 2.22% | 2.11% | 2.14% | 2.11% | -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% | 0.01% | 0.01% | 0.10% | 0.00% | -0.01% | 0.00% | -0.01% | -11 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 | |