PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Texas Regional Bank

Harlingen, TX · Cert 26906 · Texas State Bankshares Inc.

State charter, Fed member · FED · 36 branches

Q2 2026

$2.9BAssets
$1.8BLoans
$2.5BDeposits
$271.2MEquity
Loan mix
85%RE $1.5B14%C&I $0.2B1%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $1.7B31%Noninterest $0.8BQ3 2024Q2 2026

Market Position · Brownsville-Harlingen, TX · 2026 SOD (annual) · 11.5% share · #3 of 19 inst. · $0.8B of $6.6B

11.5% Cameron
4.7% Hidalgo
0.1% Denton
5.1% Hays

Executive Summary

  • Earnings: ROA of 0.30%, unchanged from a year ago; NIM at 3.16%.
  • Asset quality: problem loans at 0.59% of loans (+44 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.77%, up 10 bps from a year ago.
  • Funding: loans stand at 72.40% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%0 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+21 bps YoY

Efficiency Ratio (YTD, annualized)

87.02%-40 bps YoY

Tier 1 Leverage Ratio

8.77%+10 bps YoY

NIM

4.76%Q2 ’244.76%Q2 ’254.84%Q2 ’26+2%+7%

Non-interest income vs. expense

3.08%Q2 ’243.63%Q2 ’254.18%Q2 ’26+10%+4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.31%0.23%0.30%0.44%0.54%-0.01%0.30%0 bps
Return on Equity4.65%3.72%2.66%3.50%5.18%6.19%-0.14%3.26%-24 bps
Net Interest Margin2.88%2.84%2.88%2.95%2.98%2.96%3.12%3.16%+21 bps
Efficiency Ratio82.91%85.10%90.17%87.42%84.39%82.85%90.02%87.02%-40 bps
Non-Interest Burden2.26%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 / Loans0.37%0.17%0.17%0.15%0.15%0.16%1.18%0.59%+44 bps
Net Charge-Offs / Loans0.06%0.05%0.05%0.03%0.03%0.04%0.03%0.07%+4 bps
Allowance / Loans1.04%1.07%1.06%1.04%1.04%1.05%1.19%1.15%+11 bps
Allowance Coverage of NPLs2.8x6.2x6.2x6.9x7.1x6.5x1.0x1.9x-4.9x
Capital
Tier 1 Leverage Ratio9.06%8.80%8.91%8.68%8.78%8.74%8.83%8.77%+10 bps
Total Risk-Based Capital14.77%14.59%14.20%13.52%13.54%13.59%13.27%13.08%-44 bps
Equity / Assets8.89%8.79%8.57%8.24%8.67%9.03%8.93%9.19%+95 bps
Liquidity & Funding
Loans / Deposits58.53%59.97%59.93%64.23%62.41%64.80%68.17%72.40%+817 bps
Liquid Assets / Assets2.45%1.69%5.94%1.89%2.89%2.11%1.24%1.86%-4 bps
CRE / Total Capitaln/an/an/an/a392%407%416%n/an/a