Harlingen, TX · Cert 26906 · Texas State Bankshares Inc.
State charter, Fed member · FED · 36 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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
37
Profitability
11
Liquidity
38
Efficiency
3
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.
Harlingen, TX · Cert 26906 · Texas State Bankshares Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
Market Position · Brownsville-Harlingen, TX · 2026 SOD (annual) · 11.5% share · #3 of 19 inst. · $0.8B of $6.6B
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 | 0.39% | 0.31% | 0.23% | 0.30% | 0.44% | 0.54% | -0.01% | 0.30% | 0 bps | |
| Return on Equity | 4.65% | 3.72% | 2.66% | 3.50% | 5.18% | 6.19% | -0.14% | 3.26% | -24 bps | |
| Net Interest Margin | 2.88% | 2.84% | 2.88% | 2.95% | 2.98% | 2.96% | 3.12% | 3.16% | +21 bps | |
| Efficiency Ratio | 82.91% | 85.10% | 90.17% | 87.42% | 84.39% | 82.85% | 90.02% | 87.02% | -40 bps | |
| Non-Interest Burden | 2.26% | 2.30% | 2.53% | 2.48% | 2.35% | 2.24% | 2.70% | 2.57% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 1.36% | 4.14% | 8.50% | 8.21% | 8.33% | 6.17% | 2.19% | -631 bps | |
| Loan Growth (YoY) | -1.54% | 1.03% | 5.18% | 11.14% | 13.30% | 15.12% | 15.32% | 12.54% | +139 bps | |
| Deposit Growth (YoY) | -0.73% | -0.05% | 3.45% | 14.34% | 6.26% | 6.54% | 1.39% | -0.17% | -1,451 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.17% | 0.17% | 0.15% | 0.15% | 0.16% | 1.18% | 0.59% | +44 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.05% | 0.03% | 0.03% | 0.04% | 0.03% | 0.07% | +4 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.06% | 1.04% | 1.04% | 1.05% | 1.19% | 1.15% | +11 bps | |
| Allowance Coverage of NPLs | 2.8x | 6.2x | 6.2x | 6.9x | 7.1x | 6.5x | 1.0x | 1.9x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.06% | 8.80% | 8.91% | 8.68% | 8.78% | 8.74% | 8.83% | 8.77% | +10 bps | |
| Total Risk-Based Capital | 14.77% | 14.59% | 14.20% | 13.52% | 13.54% | 13.59% | 13.27% | 13.08% | -44 bps | |
| Equity / Assets | 8.89% | 8.79% | 8.57% | 8.24% | 8.67% | 9.03% | 8.93% | 9.19% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.53% | 59.97% | 59.93% | 64.23% | 62.41% | 64.80% | 68.17% | 72.40% | +817 bps | |
| Liquid Assets / Assets | 2.45% | 1.69% | 5.94% | 1.89% | 2.89% | 2.11% | 1.24% | 1.86% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 392% | 407% | 416% | n/a | n/a | |
Harlingen, TX · Cert 26906 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Texas State Bankshares Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
Return on Assets
0.30%
Rank 250 of 258
Net Interest Margin
3.16%
Rank 194 of 258
Efficiency Ratio
88.84%
Rank 250 of 257
Equity / Assets
9.19%
Rank 188 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.30% | 0.93% | 1.23% | 1.54% | Beats 3% | 250 / 258 | ||
| Return on Equity | 3.21% | 9.26% | 11.84% | 14.74% | Beats 4% | 248 / 258 | ||
| Net Interest Margin | 3.16% | 3.16% | 3.49% | 3.88% | Beats 25% | 194 / 258 | ||
| Efficiency Ratio | 88.84% | 51.71% | 60.30% | 69.65% | Beats 3% | 250 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 35% | 169 / 258 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 39% | 158 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.06% | 11.41% | 12.98% | 15.12% | Beats 35% | 168 / 258 | ||
| Total Risk-Based Capital Ratio | 13.08% | 12.10% | 13.91% | 16.08% | Beats 39% | 158 / 258 | ||
| Equity / Assets | 9.19% | 9.09% | 10.24% | 11.72% | Beats 27% | 188 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.40% | 73.24% | 86.34% | 95.95% | 22nd pctl | 200 / 258 | ||
| Loans / Assets | 60.92% | 63.01% | 72.27% | 78.40% | 21st pctl | 204 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||