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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.09% | 0.23% | 0.36% | 0.72% | 0.80% | -0.01% | 0.60% | +24 bps | |
| Return on Equity | 4.10% | 1.05% | 2.66% | 4.34% | 8.52% | 9.03% | -0.14% | 6.65% | +231 bps | |
| Net Interest Margin | 2.85% | 2.97% | 2.88% | 3.13% | 3.13% | 3.15% | 3.12% | 3.22% | +10 bps | |
| Efficiency Ratio | 84.16% | 90.81% | 90.17% | 84.92% | 79.55% | 79.02% | 90.02% | 84.24% | -67 bps | |
| Non-Interest Burden | 2.26% | 2.64% | 2.53% | 2.53% | 2.13% | 2.12% | 2.70% | 2.48% | -5 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 | 0.02% | 0.03% | 0.05% | 0.02% | 0.03% | 0.06% | 0.03% | 0.11% | +8 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 | |