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Amistad Bank

Del Rio, TX · Cert 26658 · 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
Loan mix
92%RE $30.0M6%C&I $2.1M2%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $32.5M29%Noninterest $13.2MQ2 2025Q2 2026

NIM

2.46%Q2 ’246.15%Q2 ’255.88%Q2 ’26+131%-11%

Non-interest income vs. expense

1.85%Q2 ’244.61%Q2 ’254.97%Q2 ’26+245%+22%

Executive Summary

  • Earnings: ROA of 0.61%, down 102 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.29%, up 65 bps from a year ago.
  • Funding: loans stand at 81.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-102 bps YoY

Net Interest Margin (YTD, annualized)

4.61%-58 bps YoY

Efficiency Ratio (YTD, annualized)

78.83%+1,550 bps YoY

Tier 1 Leverage Ratio

15.29%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.58%1.49%0.59%0.61%-102 bps
Return on Equity8.63%8.34%7.81%3.10%3.22%-540 bps
Net Interest Margin5.19%5.29%5.16%4.68%4.61%-58 bps
Efficiency Ratio63.32%64.86%64.45%79.60%78.83%+1,550 bps
Non-Interest Burden2.91%3.03%2.90%3.67%3.55%+64 bps
Growth
Asset Growth (YoY)8.55%16.05%15.20%7.81%11.12%+257 bps
Loan Growth (YoY)30.26%30.81%17.37%4.99%5.50%-2,476 bps
Deposit Growth (YoY)8.56%15.36%12.87%7.81%11.58%+302 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.22%1.21%1.25%1.34%1.20%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.63%15.04%15.56%15.42%15.29%+65 bps
Total Risk-Based Capital14.63%15.04%15.56%15.42%15.29%+65 bps
Equity / Assets19.04%19.02%19.25%18.82%18.70%-35 bps
Liquidity & Funding
Loans / Deposits86.39%87.52%82.50%72.34%81.69%-470 bps
Liquid Assets / Assets2.80%2.02%8.74%14.82%12.21%+942 bps
CRE / Total Capitaln/a377%343%315%n/an/a