Anson, TX · Cert 3078 · Anson Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 1.8% share · #7 of 18 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.18% | 2.22% | 1.55% | 1.98% | 1.50% | 1.56% | 1.99% | 2.00% | +3 bps | |
| Return on Equity | 26.55% | 26.35% | 16.59% | 22.13% | 17.54% | 18.41% | 26.65% | 26.86% | +473 bps | |
| Net Interest Margin | 5.84% | 5.89% | 5.69% | 5.55% | 4.99% | 4.62% | 4.70% | 4.55% | -100 bps | |
| Efficiency Ratio | 55.71% | 55.16% | 54.97% | 52.62% | 63.59% | 63.50% | 51.58% | 52.97% | +35 bps | |
| Non-Interest Burden | 2.91% | 2.91% | 2.82% | 2.58% | 2.94% | 2.74% | 2.18% | 2.15% | -42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -2.88% | -0.29% | 22.55% | 37.08% | 35.36% | 58.33% | 21.26% | -129 bps | |
| Loan Growth (YoY) | 5.72% | 0.11% | 2.41% | 0.63% | 2.07% | 4.30% | -2.70% | -9.05% | -968 bps | |
| Deposit Growth (YoY) | -7.80% | 1.38% | 0.60% | 26.61% | 39.81% | 37.48% | 63.02% | 22.54% | -407 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.54% | 0.40% | 0.84% | 0.31% | 0.32% | 0.47% | 0.26% | -59 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.22% | 0.13% | -0.03% | 0.18% | 0.17% | 0.27% | 0.20% | +24 bps | |
| Allowance / Loans | 2.07% | 1.94% | 2.26% | 2.24% | 2.08% | 2.05% | 2.11% | 2.16% | -8 bps | |
| Allowance Coverage of NPLs | 7.7x | 3.6x | 5.7x | 2.7x | 6.7x | 6.3x | 4.5x | 8.4x | +5.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.40% | 10.23% | 10.03% | 8.95% | 8.09% | 8.16% | 7.84% | -219 bps | |
| Total Risk-Based Capital | 17.95% | 18.15% | 17.94% | 17.16% | 17.65% | 17.30% | 19.19% | 19.56% | +239 bps | |
| Equity / Assets | 9.43% | 9.26% | 9.45% | 8.23% | 7.76% | 8.07% | 6.97% | 7.43% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.20% | 68.06% | 68.46% | 57.05% | 51.25% | 51.63% | 40.86% | 42.34% | -1,471 bps | |
| Liquid Assets / Assets | 6.77% | 9.35% | 9.87% | 12.03% | 10.13% | 6.95% | 16.08% | 9.59% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 53.19% | 57.87% | 47.48% | n/a | n/a | |