Ballinger, TX · Cert 3087 · Texas Country Bancshares Inc.
National charter · OCC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
Market Position · San Angelo, TX · 2026 SOD (annual) · 4.0% share · #7 of 15 inst. · $0.1B of $3.4B
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 | 1.36% | 1.39% | 1.24% | 1.27% | 1.28% | 1.30% | 1.20% | 1.21% | -6 bps | |
| Return on Equity | 15.29% | 15.63% | 13.15% | 13.31% | 13.21% | 13.31% | 11.96% | 11.98% | -133 bps | |
| Net Interest Margin | 3.83% | 3.77% | 3.72% | 3.86% | 3.85% | 3.77% | 3.98% | 3.92% | +7 bps | |
| Efficiency Ratio | 60.79% | 59.41% | 61.91% | 62.38% | 62.59% | 62.14% | 66.11% | 66.55% | +417 bps | |
| Non-Interest Burden | 2.11% | 2.02% | 2.09% | 2.19% | 2.20% | 2.14% | 2.45% | 2.42% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 5.49% | 2.01% | 1.70% | 2.90% | 4.06% | 7.26% | 5.56% | +386 bps | |
| Loan Growth (YoY) | 9.58% | 10.31% | 5.13% | 1.83% | -3.52% | -11.01% | 1.42% | -4.06% | -589 bps | |
| Deposit Growth (YoY) | 2.14% | 4.90% | 0.82% | 0.51% | 2.33% | 2.82% | 6.58% | 4.80% | +429 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | 0.04% | 0.03% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | 0.01% | 0.02% | +3 bps | |
| Allowance / Loans | 1.83% | 1.84% | 1.91% | 1.98% | 2.01% | 2.13% | 1.92% | 2.07% | +9 bps | |
| Allowance Coverage of NPLs | 36.8x | 38.2x | 46.7x | 48.0x | 49.2x | 50.8x | 63.9x | 65.0x | +16.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 10.41% | 10.65% | 10.74% | 10.72% | 10.64% | 10.51% | 10.52% | -21 bps | |
| Total Risk-Based Capital | 16.87% | 16.70% | 17.37% | 17.63% | 18.11% | 18.76% | 17.64% | 18.81% | +118 bps | |
| Equity / Assets | 9.51% | 9.11% | 9.69% | 9.82% | 10.04% | 10.03% | 10.10% | 10.18% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.70% | 70.67% | 70.86% | 68.66% | 66.66% | 61.16% | 67.43% | 62.85% | -580 bps | |
| Liquid Assets / Assets | 8.74% | 9.61% | 9.87% | 12.27% | 14.97% | 19.60% | 15.45% | 18.69% | +642 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 330% | 311% | 326% | n/a | n/a | |