Bastrop, TX · Cert 3091 · Bastrop Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.5% share · #10 of 73 inst. · $1.0B of $70.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.74% | 0.89% | 1.65% | 1.29% | +20 bps | |
| Return on Equity | 14.08% | 20.67% | 10.17% | 18.25% | 13.99% | -9 bps | |
| Net Interest Margin | 3.44% | 3.55% | 3.66% | 3.51% | 3.77% | +33 bps | |
| Efficiency Ratio | 64.10% | 51.80% | 68.46% | 64.79% | 59.79% | -430 bps | |
| Non-Interest Burden | 1.97% | 1.07% | 2.32% | 2.07% | 1.99% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.18% | 4.94% | 11.16% | 8.14% | 14.15% | +497 bps | |
| Loan Growth (YoY) | 11.72% | 17.51% | 16.43% | 18.42% | 18.01% | +629 bps | |
| Deposit Growth (YoY) | 4.81% | 1.87% | 9.12% | 6.07% | 16.45% | +1,164 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.33% | 0.31% | 0.29% | 0.33% | -9 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.09% | 0.02% | 0.05% | 0.02% | -4 bps | |
| Allowance / Loans | 1.14% | 1.15% | 1.16% | 1.14% | 1.14% | 0 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.5x | 3.8x | 4.0x | 3.5x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.67% | 11.96% | 11.80% | 11.55% | 11.61% | -5 bps | |
| Total Risk-Based Capital | 19.60% | 19.70% | 19.42% | 19.15% | 11.61% | -798 bps | |
| Equity / Assets | 7.92% | 8.91% | 8.66% | 9.43% | 9.09% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.68% | 69.71% | 65.37% | 67.81% | 67.57% | +89 bps | |
| Liquid Assets / Assets | 5.45% | 5.46% | 8.77% | 7.12% | 9.32% | +387 bps | |
| CRE / Total Capital | n/a | 236% | 230% | 234% | n/a | n/a | |