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First National Bank of Aspermont, The

Aspermont, TX · Cert 3079 · Aspermont Bankshares Inc.

National charter · OCC · 1 branch

Q2 2026

$133.9MAssets
$49.8MLoans
$128.0MDeposits
$5.3MEquity
Loan mix
84%RE $34.4M10%C&I $4.0M6%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
56%Interest-bearing $71.4M44%Noninterest $56.6MQ2 2025Q2 2026

NIM

3.76%Q2 ’244.01%Q2 ’254.20%Q2 ’26+8%+15%

Non-interest income vs. expense

2.25%Q2 ’242.28%Q2 ’252.14%Q2 ’26-1%-5%

Executive Summary

  • Earnings: ROA of 0.85%, up 30 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.29% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.07%, down 8 bps from a year ago.
  • Funding: loans stand at 38.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+30 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+37 bps YoY

Efficiency Ratio (quarter, annualized)

63.67%-1,123 bps YoY

Tier 1 Leverage Ratio

9.07%-8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.66%0.87%0.85%0.85%+30 bps
Return on Equity26.89%23.32%23.31%21.85%21.66%-523 bps
Net Interest Margin2.49%2.63%2.67%2.72%2.86%+37 bps
Efficiency Ratio74.89%69.27%63.99%64.38%63.67%-1,123 bps
Non-Interest Burden1.72%1.67%1.52%1.56%1.64%-8 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 / Loans0.28%0.43%0.36%0.32%0.29%+1 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.00%0.00%0 bps
Allowance / Loans1.27%1.29%1.28%1.23%1.21%-6 bps
Allowance Coverage of NPLs4.5x3.0x3.6x3.8x4.2x-0.3x
Capital
Tier 1 Leverage Ratio9.15%8.80%8.75%8.84%9.07%-8 bps
Total Risk-Based Capital9.15%8.80%8.75%16.78%9.07%-8 bps
Equity / Assets2.11%3.51%3.92%3.89%3.98%+187 bps
Liquidity & Funding
Loans / Deposits34.85%33.90%33.98%36.49%38.94%+409 bps
Liquid Assets / Assets10.60%14.08%16.02%13.74%11.90%+130 bps
CRE / Total Capitaln/a69.17%62.79%78.54%n/an/a