Eden, TX · Cert 26738 · Patrons Holdings Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (5 in holding)
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.26% | 1.01% | 0.30% | 0.33% | -99 bps | |
| Return on Equity | 8.96% | 8.39% | 6.72% | 2.15% | 2.36% | -660 bps | |
| Net Interest Margin | 5.17% | 4.40% | 4.16% | 4.35% | 4.38% | -78 bps | |
| Efficiency Ratio | 55.83% | 59.05% | 62.19% | 76.14% | 78.18% | +2,235 bps | |
| Non-Interest Burden | 2.74% | 2.54% | 2.52% | 3.24% | 3.41% | +67 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 34.89% | 52.74% | 44.92% | 63.25% | 44.17% | +928 bps | |
| Loan Growth (YoY) | 193.29% | 138.16% | 112.55% | 129.06% | 70.49% | -12,280 bps | |
| Deposit Growth (YoY) | 37.67% | 53.86% | 43.55% | 66.85% | 45.85% | +818 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.02% | 0.00% | 1.00% | +100 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.21% | 1.32% | 1.31% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 56.5x | n/a | 1.3x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.87% | 13.19% | 12.26% | 10.95% | 11.72% | -16 bps | |
| Total Risk-Based Capital | 11.87% | 13.19% | 12.26% | 10.95% | 11.72% | -16 bps | |
| Equity / Assets | 14.34% | 15.80% | 14.83% | 13.22% | 13.76% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.93% | 51.91% | 60.00% | 60.51% | 66.56% | +962 bps | |
| Liquid Assets / Assets | 16.71% | 18.65% | 18.55% | 21.77% | 18.81% | +210 bps | |
| CRE / Total Capital | n/a | 261% | 277% | 347% | n/a | n/a | |