Brady, TX · Cert 3109 · Texas Country Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
80
Profitability
31
Liquidity
56
Efficiency
51
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Brady, TX · Cert 3109 · Texas Country Bancshares Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
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 | 0.85% | 0.85% | 0.96% | 0.97% | 0.98% | 0.99% | 0.99% | 0.97% | 0 bps | |
| Return on Equity | 12.10% | 12.25% | 13.36% | 13.07% | 12.81% | 12.76% | 12.15% | 11.87% | -120 bps | |
| Net Interest Margin | 2.81% | 2.79% | 2.83% | 2.98% | 2.96% | 2.85% | 2.89% | 2.94% | -4 bps | |
| Efficiency Ratio | 67.36% | 67.16% | 64.66% | 65.53% | 64.95% | 64.65% | 63.02% | 63.86% | -167 bps | |
| Non-Interest Burden | 1.71% | 1.70% | 1.65% | 1.75% | 1.73% | 1.65% | 1.64% | 1.69% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.81% | 3.00% | -3.88% | 5.03% | 6.92% | 4.49% | 9.63% | 16.15% | +1,112 bps | |
| Loan Growth (YoY) | 4.08% | 9.22% | 10.78% | 9.35% | 0.33% | -3.08% | -2.66% | -4.71% | -1,406 bps | |
| Deposit Growth (YoY) | 1.52% | 7.11% | -0.52% | 4.07% | 6.30% | 3.02% | 8.72% | 15.83% | +1,177 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.62% | 1.57% | 1.55% | 1.58% | 1.61% | 1.60% | 1.57% | 1.64% | +6 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.26% | 10.23% | 9.79% | 10.39% | 10.34% | 10.00% | 9.78% | 10.00% | -39 bps | |
| Total Risk-Based Capital | 18.80% | 18.14% | 18.74% | 19.30% | 19.69% | 19.56% | 19.68% | 20.83% | +153 bps | |
| Equity / Assets | 7.96% | 6.79% | 7.59% | 7.86% | 8.43% | 7.99% | 8.33% | 8.12% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.88% | 56.48% | 61.29% | 61.49% | 57.46% | 53.14% | 54.87% | 50.58% | -1,091 bps | |
| Liquid Assets / Assets | 1.64% | 10.16% | 4.54% | 3.80% | 9.70% | 12.26% | 12.44% | 19.91% | +1,611 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 125.33% | 113.53% | 125.57% | n/a | n/a | |
Brady, TX · Cert 3109 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Country Bancshares Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
Return on Assets
0.95%
Rank 149 of 211
Net Interest Margin
2.94%
Rank 180 of 211
Efficiency Ratio
63.86%
Rank 104 of 211
Equity / Assets
8.12%
Rank 192 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.87% | 1.20% | 1.65% | Beats 29% | 149 / 211 | ||
| Return on Equity | 11.67% | 7.52% | 11.67% | 14.58% | Beats 50% | 106 / 211 | ||
| Net Interest Margin | 2.94% | 3.28% | 3.82% | 4.31% | Beats 15% | 180 / 211 | ||
| Efficiency Ratio | 63.86% | 53.01% | 64.18% | 73.65% | Beats 51% | 104 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 86 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.57% | 11.72% | 14.45% | 19.57% | Beats 75% | 53 / 211 | ||
| Total Risk-Based Capital Ratio | 20.83% | 11.94% | 14.78% | 20.30% | Beats 75% | 52 / 211 | ||
| Equity / Assets | 8.12% | 9.41% | 11.06% | 12.94% | Beats 9% | 192 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.58% | 45.39% | 66.56% | 82.03% | 27th pctl | 151 / 208 | ||
| Loans / Assets | 46.22% | 39.13% | 56.90% | 70.46% | 29th pctl | 149 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||