Cameron, TX · Cert 3127 · Central Texas Financial Corp.
National charter · OCC · 13 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #32 of 73 inst. · $0.3B of $70.4B
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 | 1.83% | 1.49% | 1.57% | 1.59% | 1.63% | -19 bps | |
| Return on Equity | 15.43% | 12.29% | 12.78% | 12.80% | 13.18% | -225 bps | |
| Net Interest Margin | 3.43% | 3.52% | 3.62% | 3.66% | 3.69% | +26 bps | |
| Efficiency Ratio | 44.42% | 49.10% | 50.17% | 48.18% | 47.84% | +342 bps | |
| Non-Interest Burden | 1.17% | 1.60% | 1.70% | 1.64% | 1.64% | +48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 4.29% | 6.56% | 7.08% | 10.14% | +636 bps | |
| Loan Growth (YoY) | -2.20% | 0.37% | -0.86% | 0.21% | -1.33% | +87 bps | |
| Deposit Growth (YoY) | 2.36% | 3.08% | 5.38% | 6.10% | 9.82% | +746 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.55% | 1.52% | 1.57% | 1.55% | 1.54% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 554.3x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.32% | 12.52% | 12.54% | 12.67% | 12.73% | +42 bps | |
| Total Risk-Based Capital | 18.16% | 17.46% | 18.32% | 17.76% | 18.43% | +27 bps | |
| Equity / Assets | 12.04% | 12.16% | 12.33% | 12.45% | 12.33% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.83% | 77.31% | 73.71% | 73.71% | 69.93% | -790 bps | |
| Liquid Assets / Assets | 13.40% | 10.63% | 9.18% | 2.74% | 6.71% | -669 bps | |
| CRE / Total Capital | n/a | 372% | 356% | 344% | n/a | n/a | |