Big Spring, TX · Cert 3103 · SNB Financial Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Lubbock, TX · 2026 SOD (annual) · 0.1% share · #31 of 31 inst. · $0.0B of $14.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.97% | 1.11% | 1.38% | 1.40% | +27 bps | |
| Return on Equity | 13.69% | 11.18% | 12.47% | 13.94% | 14.24% | +56 bps | |
| Net Interest Margin | 2.42% | 2.42% | 2.43% | 2.77% | 2.75% | +33 bps | |
| Efficiency Ratio | 43.04% | 42.66% | 39.95% | 35.45% | 34.96% | -808 bps | |
| Non-Interest Burden | 0.94% | 0.93% | 0.87% | 0.88% | 0.85% | -9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.98% | 10.20% | 9.43% | 2.85% | 10.93% | +695 bps | |
| Loan Growth (YoY) | -4.15% | -4.80% | 5.76% | -6.41% | -2.24% | +191 bps | |
| Deposit Growth (YoY) | 4.72% | 11.29% | 6.44% | 0.97% | 10.42% | +570 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.32% | 1.32% | 1.12% | 1.63% | +163 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | -0.03% | -4 bps | |
| Allowance / Loans | 1.96% | 3.19% | 3.19% | 3.51% | 3.38% | +142 bps | |
| Allowance Coverage of NPLs | n/a | 2.4x | 2.4x | 3.1x | 2.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.74% | 10.79% | 10.57% | 11.03% | 11.19% | +45 bps | |
| Total Risk-Based Capital | 10.74% | 10.79% | 10.57% | 11.03% | 11.19% | +45 bps | |
| Equity / Assets | 9.39% | 9.71% | 9.88% | 9.86% | 9.84% | +44 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 19.26% | 17.73% | 17.76% | 17.03% | 17.05% | -221 bps | |
| Liquid Assets / Assets | 3.02% | 5.18% | 4.75% | 5.70% | 6.51% | +348 bps | |
| CRE / Total Capital | n/a | 59.18% | 60.90% | 56.55% | n/a | n/a | |