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 (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 | 0.73% | 0.77% | 1.07% | 1.08% | 1.31% | 1.20% | 1.65% | 1.46% | +38 bps | |
| Return on Equity | 9.93% | 10.70% | 14.54% | 14.36% | 16.56% | 14.89% | 18.25% | 16.12% | +176 bps | |
| Net Interest Margin | 2.81% | 2.84% | 3.22% | 3.33% | 3.37% | 3.43% | 3.51% | 3.61% | +28 bps | |
| Efficiency Ratio | 73.16% | 72.21% | 65.19% | 64.63% | 59.56% | 61.77% | 64.79% | 62.17% | -246 bps | |
| Non-Interest Burden | 1.88% | 1.87% | 1.88% | 1.92% | 1.62% | 1.79% | 2.07% | 2.01% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | 3.02% | 5.16% | 9.18% | 4.94% | 11.16% | 8.14% | 14.15% | +497 bps | |
| Loan Growth (YoY) | 4.94% | 5.59% | 5.13% | 11.72% | 17.51% | 16.43% | 18.42% | 18.01% | +629 bps | |
| Deposit Growth (YoY) | 6.51% | 6.56% | 6.23% | 4.81% | 1.87% | 9.12% | 6.07% | 16.45% | +1,164 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.21% | 0.23% | 0.23% | 0.42% | 0.33% | 0.31% | 0.29% | 0.33% | -9 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.08% | 0.07% | 0.07% | 0.06% | 0.05% | 0.04% | -3 bps | |
| Allowance / Loans | 1.24% | 1.21% | 1.21% | 1.14% | 1.15% | 1.16% | 1.14% | 1.14% | 0 bps | |
| Allowance Coverage of NPLs | 5.8x | 5.2x | 5.1x | 2.7x | 3.5x | 3.8x | 4.0x | 3.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.80% | 11.49% | 11.46% | 11.67% | 11.96% | 11.80% | 11.55% | 11.61% | -5 bps | |
| Total Risk-Based Capital | 20.68% | 20.46% | 20.57% | 19.60% | 19.70% | 19.42% | 19.15% | 11.61% | -798 bps | |
| Equity / Assets | 8.04% | 7.01% | 7.66% | 7.92% | 8.91% | 8.66% | 9.43% | 9.09% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.43% | 61.26% | 60.74% | 66.68% | 69.71% | 65.37% | 67.81% | 67.57% | +89 bps | |
| Liquid Assets / Assets | 6.27% | 5.05% | 8.06% | 5.45% | 5.46% | 8.77% | 7.12% | 9.32% | +387 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 236% | 230% | 234% | n/a | n/a | |