Irving, TX · Cert 27074 · SBT Bancshares Inc.
State charter, non-member · FDIC · 7 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 in the Dallas-Fort Worth-Arlington, TX area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
48
Profitability
92
Liquidity
11
Efficiency
95
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.
Irving, TX · Cert 27074 · SBT Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.2% share · #31 of 166 inst. · $1.6B of $732.8B
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 | 3.64% | 3.18% | 3.22% | 3.19% | 3.26% | 3.14% | 3.10% | 3.33% | +14 bps | |
| Return on Equity | 26.45% | 23.00% | 23.36% | 22.82% | 22.74% | 21.81% | 21.21% | 21.96% | -86 bps | |
| Net Interest Margin | 5.17% | 5.11% | 4.85% | 4.88% | 4.91% | 5.00% | 4.79% | 5.02% | +14 bps | |
| Efficiency Ratio | 17.48% | 17.64% | 19.37% | 20.00% | 19.52% | 20.09% | 20.65% | 21.41% | +141 bps | |
| Non-Interest Burden | 0.58% | 0.70% | 0.75% | 0.78% | 0.76% | 0.89% | 0.84% | 0.95% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.99% | 8.26% | 5.14% | 1.33% | 0.04% | -0.32% | -0.92% | -6.61% | -794 bps | |
| Loan Growth (YoY) | 19.29% | 9.28% | 5.98% | 1.27% | -1.46% | -1.26% | -2.24% | -6.99% | -826 bps | |
| Deposit Growth (YoY) | 20.53% | 5.87% | 2.87% | -1.10% | -0.41% | -1.81% | -4.75% | -6.78% | -568 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.55% | 2.57% | 2.48% | 2.44% | 2.39% | 2.20% | 1.24% | 2.16% | -28 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.48% | 0.01% | 0.21% | 0.25% | 0.29% | 0.01% | 0.00% | -21 bps | |
| Allowance / Loans | 1.00% | 1.10% | 1.11% | 1.07% | 1.03% | 1.06% | 1.07% | 1.02% | -5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.9x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.78% | 14.17% | 13.82% | 14.59% | 15.40% | 14.69% | 14.73% | 15.71% | +112 bps | |
| Total Risk-Based Capital | 13.78% | 14.17% | 13.82% | 14.59% | 15.40% | 14.69% | 14.73% | 15.71% | +112 bps | |
| Equity / Assets | 13.50% | 14.01% | 13.57% | 14.39% | 15.33% | 14.69% | 14.52% | 16.43% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.69% | 100.44% | 97.76% | 98.02% | 98.64% | 101.00% | 100.35% | 97.80% | -22 bps | |
| Liquid Assets / Assets | 7.87% | 7.84% | 9.00% | 8.56% | 9.25% | 8.09% | 7.78% | 7.58% | -98 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 518% | 548% | 545% | n/a | n/a | |
Irving, TX · Cert 27074 · Peer group: banks $1B-$10B in assets in the Dallas-Fort Worth-Arlington, TX area (n=20) · SBT Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
3.49%
Rank 2 of 20
Net Interest Margin
5.02%
Rank 2 of 20
Efficiency Ratio
21.41%
Rank 2 of 20
Equity / Assets
16.43%
Rank 2 of 20
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.49% | 0.68% | 1.15% | 1.86% | Beats 90% | 2 / 20 | ||
| Return on Equity | 21.24% | 7.45% | 10.95% | 14.25% | Beats 95% | 1 / 20 | ||
| Net Interest Margin | 5.02% | 2.87% | 3.58% | 4.28% | Beats 90% | 2 / 20 | ||
| Efficiency Ratio | 21.41% | 52.33% | 65.48% | 74.79% | Beats 95% | 2 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.16% | 0.18% | 0.42% | 1.54% | Beats 15% | 18 / 20 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.14% | Beats 80% | 5 / 20 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.71% | 13.35% | 15.71% | 17.39% | Beats 50% | 10 / 20 | ||
| Total Risk-Based Capital Ratio | 15.71% | 14.55% | 16.02% | 18.64% | Beats 45% | 11 / 20 | ||
| Equity / Assets | 16.43% | 9.74% | 11.64% | 13.21% | Beats 90% | 2 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.80% | 72.63% | 81.14% | 96.60% | 80th pctl | 4 / 20 | ||
| Loans / Assets | 80.98% | 60.26% | 69.54% | 79.68% | 80th pctl | 4 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||