Amistad Bank
Del Rio, TX · Cert 26658 · Peer group: banks under $1B in assets in TX (n=208-211) · Patrons Holdings Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (5 in holding)
Q2 2026
$57.0MAssets
$37.3MLoans
$45.7MDeposits
$10.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: return on equity trails 91% of banks under $1B in assets in TX (rank 191 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.60%
Rank 176 of 211
Net Interest Margin
4.61%
Rank 29 of 211
Efficiency Ratio
85.42%
Rank 190 of 211
Equity / Assets
18.70%
Rank 11 of 211
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 10% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.87% | 1.20% | 1.65% | Beats 17% | 176 / 211 | | |
| Return on Equity | 3.21% | 7.52% | 11.67% | 14.58% | Beats 9% | 191 / 211 | | |
| Net Interest Margin | 4.61% | 3.28% | 3.82% | 4.31% | Beats 86% | 29 / 211 | | |
| Efficiency Ratio | 85.42% | 53.01% | 64.18% | 73.65% | Beats 10% | 190 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 15.29% | 11.72% | 14.45% | 19.57% | Beats 56% | 92 / 211 | | |
| Total Risk-Based Capital Ratio | 15.29% | 11.94% | 14.78% | 20.30% | Beats 52% | 101 / 211 | | |
| Equity / Assets | 18.70% | 9.41% | 11.06% | 12.94% | Beats 95% | 11 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.69% | 45.39% | 66.56% | 82.03% | 74th pctl | 55 / 208 | | |
| Loans / Assets | 65.52% | 39.13% | 56.90% | 70.46% | 66th pctl | 72 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |