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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 $0.6MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $32.5M29%Noninterest $13.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.63%, down 106 bps year over year; NIM at 4.64%.
  • 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.

Return on Assets (quarter, annualized)

0.63%-106 bps YoY

Net Interest Margin (quarter, annualized)

4.64%-72 bps YoY

Efficiency Ratio (quarter, annualized)

78.10%+1,431 bps YoY

Tier 1 Leverage Ratio

15.29%+65 bps YoY

NIM

-1.16%Q2 ’246.40%Q2 ’255.94%Q2 ’26+589%-13%

Non-interest income vs. expense

-0.23%Q2 ’244.92%Q2 ’255.05%Q2 ’26+1735%+19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.34%1.93%1.55%1.69%1.49%1.22%0.59%0.63%-106 bps
Return on Equity11.91%9.68%8.17%9.06%7.82%6.35%3.10%3.35%-571 bps
Net Interest Margin6.10%6.11%5.32%5.37%5.54%5.34%4.68%4.64%-72 bps
Efficiency Ratio51.14%59.48%62.80%63.79%67.65%63.33%79.60%78.10%+1,431 bps
Non-Interest Burden2.73%3.39%3.03%2.95%3.31%2.78%3.67%3.51%+56 bps
Growth
Asset Growth (YoY)-3.90%8.63%15.03%8.55%16.05%15.20%7.81%11.12%+257 bps
Loan Growth (YoY)-4.97%2.73%7.79%30.26%30.81%17.37%4.99%5.50%-2,476 bps
Deposit Growth (YoY)-10.99%0.63%8.23%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.57%1.45%1.39%1.22%1.21%1.25%1.34%1.20%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.80%15.00%14.99%14.63%15.04%15.56%15.42%15.29%+65 bps
Total Risk-Based Capital14.80%15.00%14.99%14.63%15.04%15.56%15.42%15.29%+65 bps
Equity / Assets20.31%19.55%18.32%19.04%19.02%19.25%18.82%18.70%-35 bps
Liquidity & Funding
Loans / Deposits77.19%79.34%74.28%86.39%87.52%82.50%72.34%81.69%-470 bps
Liquid Assets / Assets6.05%6.10%4.21%2.80%2.02%8.74%14.82%12.21%+942 bps
CRE / Total Capitaln/an/an/an/a377%343%315%n/an/a