McAllen, TX · Cert 26727
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
78
Profitability
54
Liquidity
3
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
McAllen, TX · Cert 26727
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 0.5% share · #15 of 20 inst. · $0.1B of $16.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.52% | 1.50% | 1.59% | 1.72% | 1.74% | 1.66% | 0.86% | 1.10% | -62 bps | |
| Return on Equity | 9.43% | 9.13% | 8.82% | 9.46% | 9.45% | 9.01% | 4.66% | 6.00% | -346 bps | |
| Net Interest Margin | 6.35% | 6.31% | 6.28% | 6.60% | 6.72% | 6.55% | 6.04% | 6.17% | -43 bps | |
| Efficiency Ratio | 70.61% | 70.86% | 70.02% | 68.01% | 67.83% | 69.06% | 83.27% | 79.08% | +1,107 bps | |
| Non-Interest Burden | 4.25% | 4.23% | 4.15% | 4.23% | 4.30% | 4.28% | 4.85% | 4.68% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.40% | -5.32% | -6.40% | -2.26% | -1.78% | 4.32% | 7.20% | 8.48% | +1,074 bps | |
| Loan Growth (YoY) | -8.29% | -12.85% | -6.42% | 5.13% | 10.84% | 16.67% | 9.65% | 13.27% | +814 bps | |
| Deposit Growth (YoY) | -1.88% | -7.93% | -9.40% | -4.66% | -3.72% | 3.17% | 7.18% | 8.97% | +1,363 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.38% | 0.30% | 0.28% | 0.27% | 0.50% | 0.38% | 0.18% | 0.23% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.65% | 1.31% | 1.22% | 1.21% | 1.28% | 1.24% | 1.23% | 1.15% | -6 bps | |
| Allowance Coverage of NPLs | 1.2x | 4.4x | 4.4x | 4.6x | 2.5x | 3.3x | 7.0x | 5.1x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.27% | 15.80% | 16.27% | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Total Risk-Based Capital | 15.27% | 15.80% | 16.27% | 16.84% | 16.95% | 16.88% | 16.57% | 16.63% | -21 bps | |
| Equity / Assets | 17.14% | 17.66% | 18.35% | 18.64% | 18.84% | 18.43% | 18.29% | 18.18% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.58% | 75.79% | 83.52% | 85.84% | 85.87% | 85.70% | 85.44% | 89.22% | +339 bps | |
| Liquid Assets / Assets | 17.39% | 15.56% | 8.52% | 7.00% | 7.04% | 8.85% | 10.75% | 8.44% | +143 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 288% | 289% | 290% | n/a | n/a | |
McAllen, TX · Cert 26727 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
1.08%
Rank 121 of 211
Net Interest Margin
6.17%
Rank 3 of 211
Efficiency Ratio
79.08%
Rank 177 of 211
Equity / Assets
18.18%
Rank 13 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.87% | 1.20% | 1.65% | Beats 43% | 121 / 211 | ||
| Return on Equity | 5.92% | 7.52% | 11.67% | 14.58% | Beats 19% | 170 / 211 | ||
| Net Interest Margin | 6.17% | 3.28% | 3.82% | 4.31% | Beats 99% | 3 / 211 | ||
| Efficiency Ratio | 79.08% | 53.01% | 64.18% | 73.65% | Beats 17% | 177 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.01% | 0.30% | 1.10% | Beats 55% | 94 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.63% | 11.72% | 14.45% | 19.57% | Beats 64% | 77 / 211 | ||
| Total Risk-Based Capital Ratio | 16.63% | 11.94% | 14.78% | 20.30% | Beats 61% | 82 / 211 | ||
| Equity / Assets | 18.18% | 9.41% | 11.06% | 12.94% | Beats 94% | 13 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.22% | 45.39% | 66.56% | 82.03% | 88th pctl | 24 / 208 | ||
| Loans / Assets | 72.11% | 39.13% | 56.90% | 70.46% | 80th pctl | 42 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||