Brady, TX · Cert 3109 · Texas Country Bancshares Inc.
National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)
Q2 2026
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 | 0.98% | 1.03% | 1.01% | 0.99% | 0.95% | -3 bps | |
| Return on Equity | 12.73% | 12.66% | 12.31% | 12.15% | 11.58% | -116 bps | |
| Net Interest Margin | 2.98% | 3.02% | 2.92% | 2.89% | 2.95% | -3 bps | |
| Efficiency Ratio | 66.37% | 63.79% | 63.78% | 63.02% | 64.69% | -169 bps | |
| Non-Interest Burden | 1.76% | 1.74% | 1.65% | 1.64% | 1.72% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.03% | 6.92% | 4.49% | 9.63% | 16.15% | +1,112 bps | |
| Loan Growth (YoY) | 9.35% | 0.33% | -3.08% | -2.66% | -4.71% | -1,406 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.06% | 0.02% | 0.00% | -1 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.39% | 10.34% | 10.00% | 9.78% | 10.00% | -39 bps | |
| Total Risk-Based Capital | 19.30% | 19.69% | 19.56% | 19.68% | 20.83% | +153 bps | |
| Equity / Assets | 7.86% | 8.43% | 7.99% | 8.33% | 8.12% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.49% | 57.46% | 53.14% | 54.87% | 50.58% | -1,091 bps | |
| Liquid Assets / Assets | 3.80% | 9.70% | 12.26% | 12.44% | 19.91% | +1,611 bps | |
| CRE / Total Capital | n/a | 125.33% | 113.53% | 125.57% | n/a | n/a | |