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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 $7.4MQ3 2024Q2 2026
Deposit mix
93%Interest-bearing $461.5M7%Noninterest $33.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.48%, up 23 bps year over year; NIM at 3.49%.
  • 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.

Return on Assets (quarter, annualized)

1.48%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+15 bps YoY

Efficiency Ratio (quarter, annualized)

49.27%-341 bps YoY

Tier 1 Leverage Ratio

10.95%+1 bps YoY

NIM

5.46%Q2 ’245.69%Q2 ’255.63%Q2 ’26+24%+5%

Non-interest income vs. expense

1.68%Q2 ’241.83%Q2 ’251.84%Q2 ’26+13%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.07%1.21%1.25%1.32%1.39%1.47%1.48%+23 bps
Return on Equity11.33%11.75%13.33%13.26%13.60%14.15%15.20%15.22%+196 bps
Net Interest Margin2.83%3.16%3.17%3.34%3.49%3.47%3.53%3.49%+15 bps
Efficiency Ratio54.90%53.79%53.45%52.68%52.34%45.88%49.86%49.27%-341 bps
Non-Interest Burden1.47%1.66%1.61%1.70%1.73%1.48%1.65%1.60%-10 bps
Growth
Asset Growth (YoY)6.96%2.16%4.17%2.40%6.88%9.28%12.79%17.70%+1,529 bps
Loan Growth (YoY)6.37%1.69%1.87%4.40%7.78%9.75%10.54%12.58%+818 bps
Deposit Growth (YoY)7.32%2.94%5.70%1.12%5.99%8.31%12.31%17.31%+1,619 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%0.15%0.01%0.01%0.01%0.01%-14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.85%0.84%0.84%0.81%0.79%0.84%0.85%0.83%+2 bps
Allowance Coverage of NPLs74.6x88.0x90.6x5.4x93.4x99.1x108.2x110.6x+105.1x
Capital
Tier 1 Leverage Ratio10.18%10.40%10.65%10.94%11.21%10.81%10.74%10.95%+1 bps
Total Risk-Based Capital16.52%17.18%17.73%17.81%17.88%10.81%10.74%10.95%-685 bps
Equity / Assets9.18%9.01%9.21%9.63%9.84%9.78%9.53%9.93%+30 bps
Liquidity & Funding
Loans / Deposits88.00%88.83%85.94%89.59%89.48%90.01%84.58%85.97%-361 bps
Liquid Assets / Assets11.64%10.71%13.01%11.09%10.30%10.32%14.58%13.36%+227 bps
CRE / Total Capitaln/an/an/an/a168.40%180.88%177.40%n/an/a