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Fayette Savings Bank, SSB

La Grange, TX · Cert 31936 · Fayette Bancshares Inc.

SI · FDIC · 5 branches

Q2 2026

$551.8MAssets
$425.7MLoans
$495.2MDeposits
$54.8MEquity
Loan mix
96%RE $386.4M2%C&I $8.0M2%Consumer $7.4MQ2 2025Q2 2026
Deposit mix
93%Interest-bearing $461.5M7%Noninterest $33.7MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.62%Q2 ’255.50%Q2 ’26+21%+5%

Non-interest income vs. expense

1.65%Q2 ’241.81%Q2 ’251.80%Q2 ’26+12%-4%

Executive Summary

  • Earnings: ROA of 1.48%, up 24 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.01% of loans (-14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.95%, up 1 bps from a year ago.
  • Funding: loans stand at 85.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+17 bps YoY

Efficiency Ratio (YTD, annualized)

49.56%-350 bps YoY

Tier 1 Leverage Ratio

10.95%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.26%1.30%1.47%1.48%+24 bps
Return on Equity13.31%13.39%13.67%15.20%15.16%+185 bps
Net Interest Margin3.24%3.30%3.24%3.53%3.42%+17 bps
Efficiency Ratio53.06%52.80%50.93%49.86%49.56%-350 bps
Non-Interest Burden1.65%1.66%1.56%1.65%1.58%-6 bps
Growth
Asset Growth (YoY)2.40%6.88%9.28%12.79%17.70%+1,529 bps
Loan Growth (YoY)4.40%7.78%9.75%10.54%12.58%+818 bps
Deposit Growth (YoY)1.12%5.99%8.31%12.31%17.31%+1,619 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.01%0.01%0.01%0.01%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.81%0.79%0.84%0.85%0.83%+2 bps
Allowance Coverage of NPLs5.4x93.4x99.1x108.2x110.6x+105.1x
Capital
Tier 1 Leverage Ratio10.94%11.21%10.81%10.74%10.95%+1 bps
Total Risk-Based Capital17.81%17.88%10.81%10.74%10.95%-685 bps
Equity / Assets9.63%9.84%9.78%9.53%9.93%+30 bps
Liquidity & Funding
Loans / Deposits89.59%89.48%90.01%84.58%85.97%-361 bps
Liquid Assets / Assets11.09%10.30%10.32%14.58%13.36%+227 bps
CRE / Total Capitaln/a168.40%180.88%177.40%n/an/a