Falls City, TX · Cert 3193
National charter · OCC · 3 branches
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #38 of 66 inst. · $0.1B of $175.0B
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 | 2.43% | 2.28% | 2.25% | 2.28% | 2.19% | 2.06% | 2.01% | 2.03% | -24 bps | |
| Return on Equity | 17.58% | 16.43% | 15.63% | 15.43% | 14.60% | 13.62% | 12.85% | 12.81% | -262 bps | |
| Net Interest Margin | 3.90% | 3.79% | 3.55% | 3.54% | 3.50% | 3.48% | 3.34% | 3.34% | -20 bps | |
| Efficiency Ratio | 20.53% | 25.05% | 23.15% | 23.38% | 24.28% | 28.99% | 28.13% | 28.58% | +519 bps | |
| Non-Interest Burden | 0.71% | 0.85% | 0.71% | 0.71% | 0.73% | 0.90% | 0.84% | 0.88% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.94% | 1.78% | 4.37% | 1.85% | 1.63% | 0.53% | 0.52% | 2.76% | +91 bps | |
| Loan Growth (YoY) | 8.52% | -0.35% | -5.07% | -7.91% | -11.53% | -3.35% | -2.03% | -3.60% | +431 bps | |
| Deposit Growth (YoY) | 0.22% | 0.23% | 3.20% | 0.31% | 0.20% | -1.03% | -0.95% | 1.71% | +140 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.48% | 1.68% | 2.15% | 1.96% | 2.49% | 2.54% | 3.08% | 3.22% | +125 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.26% | 0.07% | 0.03% | 0.07% | 0.03% | 0.12% | 0.16% | +12 bps | |
| Allowance / Loans | 1.12% | 1.24% | 1.27% | 1.26% | 1.24% | 1.28% | 1.26% | 1.22% | -4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.6x | 0.6x | 0.5x | 0.5x | 0.4x | 0.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.57% | 14.29% | 14.73% | 15.49% | 15.68% | 15.55% | 15.77% | 16.33% | +84 bps | |
| Total Risk-Based Capital | 14.57% | 14.29% | 14.73% | 15.49% | 15.68% | 15.55% | 15.77% | 16.33% | +84 bps | |
| Equity / Assets | 14.52% | 14.18% | 14.58% | 15.51% | 15.72% | 15.48% | 15.80% | 16.34% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 32.91% | 28.72% | 27.85% | 29.16% | 29.06% | 28.05% | 27.55% | 27.64% | -152 bps | |
| Liquid Assets / Assets | 70.47% | 73.53% | 74.79% | 73.98% | 74.35% | 75.26% | 75.13% | 75.94% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 68.39% | 61.62% | 59.16% | n/a | n/a | |