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State National Bank of Big Spring, The

Big Spring, TX · Cert 3103 · SNB Financial Inc.

National charter · OCC · 3 branches

Q2 2026

$640.0MAssets
$98.0MLoans
$574.9MDeposits
$63.0MEquity
Loan mix
66%RE $54.0M32%C&I $25.8M2%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
68%Interest-bearing $388.4M32%Noninterest $186.5MQ3 2024Q2 2026

Market Position · Lubbock, TX · 2026 SOD (annual) · 0.1% share · #31 of 31 inst. · $0.0B of $14.3B

35.9% Howard
6.3% Dawson
13.9% Lynn

Executive Summary

  • Earnings: ROA of 1.45%, up 27 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 1.63% of loans (+163 bps YoY), with net recoveries of 0.07%.
  • Capital: tier 1 leverage ratio of 11.19%, up 45 bps from a year ago.
  • Funding: loans stand at 17.05% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.45%+27 bps YoY

Net Interest Margin (quarter, annualized)

2.81%+32 bps YoY

Efficiency Ratio (quarter, annualized)

34.48%-775 bps YoY

Tier 1 Leverage Ratio

11.19%+45 bps YoY

NIM

3.49%Q2 ’243.54%Q2 ’253.72%Q2 ’26+1%+13%

Non-interest income vs. expense

1.13%Q2 ’241.13%Q2 ’251.03%Q2 ’26-2%-9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.05%1.17%1.08%1.18%0.66%1.51%1.38%1.45%+27 bps
Return on Equity11.22%13.13%13.92%13.40%6.86%15.46%13.94%14.69%+129 bps
Net Interest Margin2.28%2.29%2.35%2.49%2.49%2.73%2.77%2.81%+32 bps
Efficiency Ratio44.93%41.33%43.90%42.23%41.92%32.92%35.45%34.48%-775 bps
Non-Interest Burden0.93%0.84%0.94%0.94%0.94%0.78%0.88%0.85%-9 bps
Growth
Asset Growth (YoY)0.69%-2.23%6.50%3.98%10.20%9.43%2.85%10.93%+695 bps
Loan Growth (YoY)-2.19%-0.48%4.34%-4.15%-4.80%5.76%-6.41%-2.24%+191 bps
Deposit Growth (YoY)-4.78%-2.29%5.88%4.72%11.29%6.44%0.97%10.42%+570 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%1.32%1.32%1.12%1.63%+163 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.01%0.00%0.02%0.00%-0.07%-8 bps
Allowance / Loans1.86%2.04%1.94%1.96%3.19%3.19%3.51%3.38%+142 bps
Allowance Coverage of NPLsn/an/an/an/a2.4x2.4x3.1x2.1xn/a
Capital
Tier 1 Leverage Ratio12.06%10.23%10.35%10.74%10.79%10.57%11.03%11.19%+45 bps
Total Risk-Based Capital12.06%10.23%10.35%10.74%10.79%10.57%11.03%11.19%+45 bps
Equity / Assets10.52%7.31%8.19%9.39%9.71%9.88%9.86%9.84%+44 bps
Liquidity & Funding
Loans / Deposits20.73%17.88%18.37%19.26%17.73%17.76%17.03%17.05%-221 bps
Liquid Assets / Assets2.47%4.37%5.99%3.02%5.18%4.75%5.70%6.51%+348 bps
CRE / Total Capitaln/an/an/an/a59.18%60.90%56.55%n/an/a