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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.44% | 0.54% | -0.01% | 0.30% | 0 bps | |
| Return on Equity | 3.50% | 5.18% | 6.19% | -0.14% | 3.26% | -24 bps | |
| Net Interest Margin | 2.95% | 2.98% | 2.96% | 3.12% | 3.16% | +21 bps | |
| Efficiency Ratio | 87.42% | 84.39% | 82.85% | 90.02% | 87.02% | -40 bps | |
| Non-Interest Burden | 2.48% | 2.35% | 2.24% | 2.70% | 2.57% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.50% | 8.21% | 8.33% | 6.17% | 2.19% | -631 bps | |
| Loan Growth (YoY) | 11.14% | 13.30% | 15.12% | 15.32% | 12.54% | +139 bps | |
| Deposit Growth (YoY) | 14.34% | 6.26% | 6.54% | 1.39% | -0.17% | -1,451 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.15% | 0.16% | 1.18% | 0.59% | +44 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.03% | 0.07% | +4 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.05% | 1.19% | 1.15% | +11 bps | |
| Allowance Coverage of NPLs | 6.9x | 7.1x | 6.5x | 1.0x | 1.9x | -4.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.68% | 8.78% | 8.74% | 8.83% | 8.77% | +10 bps | |
| Total Risk-Based Capital | 13.52% | 13.54% | 13.59% | 13.27% | 13.08% | -44 bps | |
| Equity / Assets | 8.24% | 8.67% | 9.03% | 8.93% | 9.19% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.23% | 62.41% | 64.80% | 68.17% | 72.40% | +817 bps | |
| Liquid Assets / Assets | 1.89% | 2.89% | 2.11% | 1.24% | 1.86% | -4 bps | |
| CRE / Total Capital | n/a | 392% | 407% | 416% | n/a | n/a | |