Center, TX · Cert 32135 · Shelby Bancshares Inc.
SI · FDIC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
20
Profitability
55
Liquidity
20
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Center, TX · Cert 32135 · Shelby Bancshares Inc.
SI · FDIC · 6 branches
Q2 2026
Market Position · Tyler, TX · 2026 SOD (annual) · 0.2% share · #22 of 28 inst. · $0.0B of $9.0B
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 | 1.27% | 1.26% | 1.38% | 1.19% | 1.29% | 1.26% | 0.97% | 1.20% | +1 bps | |
| Return on Equity | 11.74% | 11.57% | 12.31% | 10.76% | 11.67% | 11.48% | 9.22% | 11.32% | +56 bps | |
| Net Interest Margin | 4.34% | 4.33% | 4.50% | 4.52% | 4.49% | 4.45% | 4.06% | 4.23% | -29 bps | |
| Efficiency Ratio | 65.92% | 65.96% | 62.88% | 63.46% | 63.89% | 65.46% | 70.91% | 67.02% | +355 bps | |
| Non-Interest Burden | 2.59% | 2.59% | 2.44% | 2.53% | 2.56% | 2.62% | 2.66% | 2.52% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.22% | 2.72% | -1.14% | 5.14% | 7.62% | 8.62% | 11.12% | 5.57% | +43 bps | |
| Loan Growth (YoY) | 1.25% | 2.66% | 11.13% | 10.61% | 10.52% | 7.71% | -0.93% | -1.39% | -1,201 bps | |
| Deposit Growth (YoY) | 4.64% | 3.66% | -1.05% | 6.25% | 9.46% | 9.89% | 14.89% | 8.19% | +195 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.31% | 0.35% | 0.44% | 1.14% | 0.98% | 1.34% | 1.05% | +61 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.18% | 0.06% | 0.04% | 0.05% | 0.12% | 0.02% | 0.16% | +12 bps | |
| Allowance / Loans | 1.01% | 1.09% | 1.10% | 1.31% | 1.25% | 1.22% | 1.28% | 1.29% | -2 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.5x | 3.2x | 3.0x | 1.1x | 1.2x | 1.0x | 1.2x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.36% | 12.07% | 12.32% | 12.25% | 12.31% | 12.00% | 10.84% | 11.11% | -114 bps | |
| Total Risk-Based Capital | 16.61% | 16.19% | 15.70% | 16.01% | 16.10% | 16.01% | 15.38% | 15.62% | -39 bps | |
| Equity / Assets | 11.32% | 10.94% | 11.42% | 10.95% | 10.99% | 10.79% | 10.36% | 10.69% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.92% | 90.44% | 100.27% | 93.51% | 91.81% | 88.64% | 86.47% | 85.23% | -828 bps | |
| Liquid Assets / Assets | 13.59% | 14.15% | 6.75% | 12.17% | 14.24% | 15.97% | 16.83% | 16.94% | +477 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 111.18% | 112.19% | 119.18% | n/a | n/a | |
Center, TX · Cert 32135 · Peer group: banks under $1B in assets in TX (n=208-211) · Shelby Bancshares Inc.
SI · FDIC · 6 branches
Q2 2026
Return on Assets
1.20%
Rank 106 of 211
Net Interest Margin
4.23%
Rank 65 of 211
Efficiency Ratio
67.02%
Rank 128 of 211
Equity / Assets
10.69%
Rank 117 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.87% | 1.20% | 1.65% | Beats 50% | 106 / 211 | ||
| Return on Equity | 11.19% | 7.52% | 11.67% | 14.58% | Beats 46% | 113 / 211 | ||
| Net Interest Margin | 4.23% | 3.28% | 3.82% | 4.31% | Beats 69% | 65 / 211 | ||
| Efficiency Ratio | 67.02% | 53.01% | 64.18% | 73.65% | Beats 40% | 128 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.01% | 0.30% | 1.10% | Beats 26% | 155 / 208 | ||
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.06% | Beats 14% | 180 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.46% | 11.72% | 14.45% | 19.57% | Beats 50% | 105 / 211 | ||
| Total Risk-Based Capital Ratio | 15.62% | 11.94% | 14.78% | 20.30% | Beats 54% | 97 / 211 | ||
| Equity / Assets | 10.69% | 9.41% | 11.06% | 12.94% | Beats 45% | 117 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.23% | 45.39% | 66.56% | 82.03% | 81st pctl | 40 / 208 | ||
| Loans / Assets | 68.44% | 39.13% | 56.90% | 70.46% | 72nd pctl | 59 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||