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Letter portraitLegal landscapeQuarterYTD

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 $2.5MQ3 2024Q2 2026
Deposit mix
56%Interest-bearing $71.4M44%Noninterest $56.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.85%, up 39 bps year over year; NIM at 2.79%.
  • 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.

Return on Assets (YTD, annualized)

0.85%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+42 bps YoY

Efficiency Ratio (YTD, annualized)

64.02%-1,397 bps YoY

Tier 1 Leverage Ratio

9.07%-8 bps YoY

NIM

3.62%Q2 ’243.82%Q2 ’254.10%Q2 ’26+6%+18%

Non-interest income vs. expense

2.19%Q2 ’242.24%Q2 ’252.11%Q2 ’26+3%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.32%0.36%0.46%0.53%0.62%0.85%0.85%+39 bps
Return on Equity18.27%16.55%22.72%26.15%23.72%23.91%21.85%21.72%-443 bps
Net Interest Margin2.24%2.26%2.40%2.37%2.38%2.39%2.72%2.79%+42 bps
Efficiency Ratio80.48%83.82%81.48%77.99%74.86%71.84%64.38%64.02%-1,397 bps
Non-Interest Burden1.69%1.80%1.86%1.73%1.66%1.58%1.56%1.59%-14 bps
Growth
Asset Growth (YoY)14.80%6.25%14.10%9.72%12.29%18.50%7.35%6.50%-322 bps
Loan Growth (YoY)12.47%17.69%13.03%28.64%16.31%17.38%23.89%16.72%-1,192 bps
Deposit Growth (YoY)16.87%11.13%15.67%9.17%12.17%15.33%5.25%4.45%-472 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.36%0.33%0.28%0.43%0.36%0.32%0.29%+1 bps
Net Charge-Offs / Loans0.02%0.02%-0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.34%1.35%1.37%1.27%1.29%1.28%1.23%1.21%-6 bps
Allowance Coverage of NPLs3.4x3.8x4.2x4.5x3.0x3.6x3.8x4.2x-0.3x
Capital
Tier 1 Leverage Ratio9.63%9.63%9.61%9.15%8.80%8.75%8.84%9.07%-8 bps
Total Risk-Based Capital9.63%9.63%9.61%9.15%8.80%8.75%16.78%9.07%-8 bps
Equity / Assets3.37%1.16%2.00%2.11%3.51%3.92%3.89%3.98%+187 bps
Liquidity & Funding
Loans / Deposits32.70%33.39%31.00%34.85%33.90%33.98%36.49%38.94%+409 bps
Liquid Assets / Assets8.49%8.95%15.50%10.60%14.08%16.02%13.74%11.90%+130 bps
CRE / Total Capitaln/an/an/an/a69.17%62.79%78.54%n/an/a