McAllen, TX · Cert 31762 · Greater State Bancshares Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · McAllen-Edinburg-Mission, TX · 2026 SOD (annual) · 0.8% share · #14 of 20 inst. · $0.1B of $16.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.35% | 1.45% | 1.24% | 1.35% | 1.41% | 1.18% | 1.33% | +9 bps | |
| Return on Equity | 15.47% | 14.82% | 15.19% | 12.24% | 13.07% | 13.52% | 11.25% | 12.33% | +9 bps | |
| Net Interest Margin | 4.70% | 4.81% | 4.95% | 5.28% | 5.44% | 5.72% | 5.52% | 5.70% | +41 bps | |
| Efficiency Ratio | 66.77% | 71.83% | 65.97% | 72.98% | 71.00% | 73.58% | 73.12% | 73.63% | +65 bps | |
| Non-Interest Burden | 2.88% | 3.23% | 3.01% | 3.64% | 3.63% | 3.98% | 3.82% | 3.99% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.78% | 15.80% | 10.87% | 4.76% | 7.57% | 0.35% | 4.80% | 5.40% | +64 bps | |
| Loan Growth (YoY) | 10.23% | 6.60% | 3.61% | 6.53% | 7.73% | 11.54% | 14.46% | 13.51% | +698 bps | |
| Deposit Growth (YoY) | 9.27% | 15.87% | 13.64% | 6.66% | 10.23% | 1.74% | 3.97% | 4.71% | -195 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.04% | 0.04% | 0.04% | 0.03% | 0.03% | 0.05% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.03% | 0.08% | 0.00% | 0.01% | 0.08% | 0.02% | -6 bps | |
| Allowance / Loans | 1.19% | 1.17% | 1.20% | 1.18% | 1.20% | 1.13% | 1.08% | 1.04% | -14 bps | |
| Allowance Coverage of NPLs | 24.3x | 24.4x | 30.0x | 31.5x | 30.4x | 37.0x | 33.5x | 20.4x | -11.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.59% | 10.04% | 10.47% | 10.47% | 10.46% | 10.71% | 11.05% | +59 bps | |
| Total Risk-Based Capital | 15.45% | 17.45% | 16.71% | 16.41% | 16.56% | 15.55% | 15.63% | 15.70% | -71 bps | |
| Equity / Assets | 9.00% | 9.26% | 9.88% | 10.32% | 10.38% | 10.46% | 10.55% | 11.01% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.22% | 78.27% | 79.09% | 82.82% | 81.33% | 85.81% | 87.08% | 89.78% | +696 bps | |
| Liquid Assets / Assets | 14.32% | 19.52% | 16.00% | 15.04% | 17.96% | 14.06% | 13.50% | 12.21% | -283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 358% | 386% | 381% | n/a | n/a | |