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 (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 | 1.65% | 1.44% | 1.31% | 1.31% | 1.82% | 1.85% | 1.79% | 1.90% | +59 bps | |
| Return on Equity | 15.94% | 14.22% | 13.32% | 13.10% | 18.13% | 18.28% | 17.61% | 18.78% | +568 bps | |
| Net Interest Margin | 4.34% | 4.27% | 4.29% | 4.50% | 4.83% | 4.89% | 4.54% | 4.89% | +39 bps | |
| Efficiency Ratio | 55.05% | 60.13% | 62.42% | 62.67% | 54.97% | 53.21% | 53.65% | 52.10% | -1,058 bps | |
| Non-Interest Burden | 2.27% | 2.47% | 2.58% | 2.72% | 2.53% | 2.49% | 2.32% | 2.40% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 9.82% | 12.64% | 8.48% | 14.31% | 6.46% | 10.33% | 14.63% | +615 bps | |
| Loan Growth (YoY) | 10.26% | 7.42% | 11.26% | 10.21% | 12.89% | 16.79% | 13.47% | 13.93% | +372 bps | |
| Deposit Growth (YoY) | 9.95% | 13.88% | 15.48% | 6.98% | 11.42% | 5.85% | 10.00% | 16.33% | +935 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 0.16% | 0.18% | 0.79% | 0.90% | 0.87% | 0.49% | 0.26% | -52 bps | |
| Net Charge-Offs / Loans | -0.36% | -0.02% | 0.06% | 0.25% | -0.03% | -0.04% | 0.00% | 0.03% | -22 bps | |
| Allowance / Loans | 1.36% | 1.33% | 1.27% | 1.21% | 1.16% | 1.13% | 1.12% | 1.08% | -13 bps | |
| Allowance Coverage of NPLs | 4.9x | 8.2x | 6.9x | 1.5x | 1.3x | 1.3x | 2.3x | 4.1x | +2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 10.32% | 10.14% | 10.19% | 10.25% | 10.53% | 10.02% | 10.57% | +38 bps | |
| Total Risk-Based Capital | 10.52% | 10.32% | 10.14% | 10.19% | 10.25% | 10.53% | 10.02% | 10.57% | +38 bps | |
| Equity / Assets | 10.40% | 9.89% | 9.83% | 10.20% | 9.90% | 10.30% | 10.03% | 10.24% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.04% | 80.72% | 83.96% | 90.56% | 89.20% | 89.07% | 86.61% | 88.69% | -187 bps | |
| Liquid Assets / Assets | 4.49% | 11.87% | 8.81% | 4.29% | 7.79% | 6.20% | 8.89% | 8.47% | +418 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 338% | 328% | 324% | n/a | n/a | |