Del Rio, TX · Cert 26658 · Patrons Holdings Inc.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (5 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 1.49% | 1.22% | 0.59% | 0.63% | -106 bps | |
| Return on Equity | 9.06% | 7.82% | 6.35% | 3.10% | 3.35% | -571 bps | |
| Net Interest Margin | 5.37% | 5.54% | 5.34% | 4.68% | 4.64% | -72 bps | |
| Efficiency Ratio | 63.79% | 67.65% | 63.33% | 79.60% | 78.10% | +1,431 bps | |
| Non-Interest Burden | 2.95% | 3.31% | 2.78% | 3.67% | 3.51% | +56 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.25% | 1.34% | 1.20% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.63% | 15.04% | 15.56% | 15.42% | 15.29% | +65 bps | |
| Total Risk-Based Capital | 14.63% | 15.04% | 15.56% | 15.42% | 15.29% | +65 bps | |
| Equity / Assets | 19.04% | 19.02% | 19.25% | 18.82% | 18.70% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.39% | 87.52% | 82.50% | 72.34% | 81.69% | -470 bps | |
| Liquid Assets / Assets | 2.80% | 2.02% | 8.74% | 14.82% | 12.21% | +942 bps | |
| CRE / Total Capital | n/a | 377% | 343% | 315% | n/a | n/a | |