Aspermont, TX · Cert 3079 · Aspermont Bankshares Inc.
National charter · OCC · 1 branch
Q2 2026
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 | 0.46% | 0.53% | 0.62% | 0.85% | 0.85% | +39 bps | |
| Return on Equity | 26.15% | 23.72% | 23.91% | 21.85% | 21.72% | -443 bps | |
| Net Interest Margin | 2.37% | 2.38% | 2.39% | 2.72% | 2.79% | +42 bps | |
| Efficiency Ratio | 77.99% | 74.86% | 71.84% | 64.38% | 64.02% | -1,397 bps | |
| Non-Interest Burden | 1.73% | 1.66% | 1.58% | 1.56% | 1.59% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.72% | 12.29% | 18.50% | 7.35% | 6.50% | -322 bps | |
| Loan Growth (YoY) | 28.64% | 16.31% | 17.38% | 23.89% | 16.72% | -1,192 bps | |
| Deposit Growth (YoY) | 9.17% | 12.17% | 15.33% | 5.25% | 4.45% | -472 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.28% | 0.43% | 0.36% | 0.32% | 0.29% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.29% | 1.28% | 1.23% | 1.21% | -6 bps | |
| Allowance Coverage of NPLs | 4.5x | 3.0x | 3.6x | 3.8x | 4.2x | -0.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 8.80% | 8.75% | 8.84% | 9.07% | -8 bps | |
| Total Risk-Based Capital | 9.15% | 8.80% | 8.75% | 16.78% | 9.07% | -8 bps | |
| Equity / Assets | 2.11% | 3.51% | 3.92% | 3.89% | 3.98% | +187 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 34.85% | 33.90% | 33.98% | 36.49% | 38.94% | +409 bps | |
| Liquid Assets / Assets | 10.60% | 14.08% | 16.02% | 13.74% | 11.90% | +130 bps | |
| CRE / Total Capital | n/a | 69.17% | 62.79% | 78.54% | n/a | n/a | |