Albany, TX · Cert 3067 · Albany Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 4.5% share · #5 of 18 inst. · $0.2B of $5.5B
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 | 1.31% | 1.47% | 1.58% | 1.79% | 1.85% | +54 bps | |
| Return on Equity | 13.18% | 14.80% | 15.71% | 17.61% | 18.15% | +497 bps | |
| Net Interest Margin | 4.39% | 4.43% | 4.45% | 4.54% | 4.77% | +38 bps | |
| Efficiency Ratio | 62.55% | 59.80% | 58.00% | 53.65% | 52.85% | -970 bps | |
| Non-Interest Burden | 2.65% | 2.55% | 2.48% | 2.32% | 2.39% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.48% | 14.31% | 6.46% | 10.33% | 14.63% | +615 bps | |
| Loan Growth (YoY) | 10.21% | 12.89% | 16.79% | 13.47% | 13.93% | +372 bps | |
| Deposit Growth (YoY) | 6.98% | 11.42% | 5.85% | 10.00% | 16.33% | +935 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.79% | 0.90% | 0.87% | 0.49% | 0.26% | -52 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.09% | 0.06% | 0.00% | 0.02% | -14 bps | |
| Allowance / Loans | 1.21% | 1.16% | 1.13% | 1.12% | 1.08% | -13 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 1.3x | 2.3x | 4.1x | +2.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.19% | 10.25% | 10.53% | 10.02% | 10.57% | +38 bps | |
| Total Risk-Based Capital | 10.19% | 10.25% | 10.53% | 10.02% | 10.57% | +38 bps | |
| Equity / Assets | 10.20% | 9.90% | 10.30% | 10.03% | 10.24% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.56% | 89.20% | 89.07% | 86.61% | 88.69% | -187 bps | |
| Liquid Assets / Assets | 4.29% | 7.79% | 6.20% | 8.89% | 8.47% | +418 bps | |
| CRE / Total Capital | n/a | 338% | 328% | 324% | n/a | n/a | |