PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Angelina Savings Bank, SSB

Lufkin, TX · Cert 32018

SI · FDIC · 1 branch

Q2 2026

$86.9MAssets
$46.9MLoans
$76.7MDeposits
$9.8MEquity
Loan mix
71%RE $32.3M16%C&I $7.3M13%Consumer $5.8MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $58.3M24%Noninterest $18.4MQ2 2025Q2 2026

NIM

5.82%Q2 ’245.75%Q2 ’255.53%Q2 ’26-5%-5%

Non-interest income vs. expense

4.00%Q2 ’244.24%Q2 ’253.99%Q2 ’26+8%-7%

Executive Summary

  • Earnings: ROA of 1.01%, down 6 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.16% of loans (-13 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 11.44%, up 56 bps from a year ago.
  • Funding: loans stand at 61.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-6 bps YoY

Net Interest Margin (YTD, annualized)

4.54%-25 bps YoY

Efficiency Ratio (YTD, annualized)

73.65%-87 bps YoY

Tier 1 Leverage Ratio

11.44%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.07%1.10%0.98%1.01%-6 bps
Return on Equity10.14%10.25%10.41%8.80%9.09%-105 bps
Net Interest Margin4.79%4.49%4.62%4.60%4.54%-25 bps
Efficiency Ratio74.52%73.68%72.51%73.67%73.65%-87 bps
Non-Interest Burden3.34%3.09%3.11%3.16%3.12%-22 bps
Growth
Asset Growth (YoY)1.45%10.37%7.33%4.87%5.71%+426 bps
Loan Growth (YoY)-1.05%5.36%24.12%19.74%24.20%+2,525 bps
Deposit Growth (YoY)-0.07%9.85%6.72%4.05%5.13%+520 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.25%0.20%0.18%0.16%-13 bps
Net Charge-Offs / Loans0.07%0.02%0.02%0.35%0.17%+11 bps
Allowance / Loans1.62%1.63%1.55%1.55%1.54%-8 bps
Allowance Coverage of NPLs5.7x6.6x7.9x8.6x9.9x+4.2x
Capital
Tier 1 Leverage Ratio10.88%10.47%10.96%11.36%11.44%+56 bps
Total Risk-Based Capital29.14%29.72%26.79%27.73%27.87%-127 bps
Equity / Assets10.68%10.16%10.88%11.28%11.27%+59 bps
Liquidity & Funding
Loans / Deposits51.82%49.70%60.15%60.69%61.22%+940 bps
Liquid Assets / Assets51.16%53.96%44.34%43.95%42.19%-897 bps
CRE / Total Capitaln/a108.54%121.35%113.90%n/an/a