Angelina Savings Bank, SSB
Lufkin, TX · Cert 32018 · Peer group: banks under $1B in assets in TX (n=208-211)
SI · FDIC · 1 branch
Q2 2026
$86.9MAssets
$46.9MLoans
$76.7MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 86% of banks under $1B in assets in TX (rank 29 of 211).
- Widest gap: net charge-offs / loans trails 80% of banks under $1B in assets in TX (rank 167 of 208).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.00%
Rank 135 of 211
Net Interest Margin
4.54%
Rank 38 of 211
Efficiency Ratio
73.65%
Rank 159 of 211
Equity / Assets
11.27%
Rank 100 of 211
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 25% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.87% | 1.20% | 1.65% | Beats 36% | 135 / 211 | | |
| Return on Equity | 8.88% | 7.52% | 11.67% | 14.58% | Beats 36% | 134 / 211 | | |
| Net Interest Margin | 4.54% | 3.28% | 3.82% | 4.31% | Beats 82% | 38 / 211 | | |
| Efficiency Ratio | 73.65% | 53.01% | 64.18% | 73.65% | Beats 25% | 159 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.01% | 0.30% | 1.10% | Beats 60% | 85 / 208 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.06% | Beats 20% | 167 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 26.61% | 11.72% | 14.45% | 19.57% | Beats 86% | 29 / 211 | | |
| Total Risk-Based Capital Ratio | 27.87% | 11.94% | 14.78% | 20.30% | Beats 86% | 29 / 211 | | |
| Equity / Assets | 11.27% | 9.41% | 11.06% | 12.94% | Beats 53% | 100 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.22% | 45.39% | 66.56% | 82.03% | 39th pctl | 126 / 208 | | |
| Loans / Assets | 54.01% | 39.13% | 56.90% | 70.46% | 40th pctl | 127 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |