Hebbronville, TX · Cert 3248 · Hebbronville Regional Bancshares
National charter · OCC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 1.90% | 1.29% | 0.99% | 0.92% | +13 bps | |
| Return on Equity | 6.24% | 14.24% | 9.50% | 7.67% | 7.22% | +98 bps | |
| Net Interest Margin | 2.91% | 3.07% | 3.26% | 3.00% | 3.03% | +12 bps | |
| Efficiency Ratio | 73.57% | 52.39% | 62.38% | 68.15% | 70.09% | -348 bps | |
| Non-Interest Burden | 1.91% | 0.64% | 1.69% | 1.74% | 1.87% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.62% | 10.70% | 7.49% | 7.30% | 9.54% | -208 bps | |
| Loan Growth (YoY) | -1.20% | -1.12% | -0.77% | -1.53% | -3.15% | -194 bps | |
| Deposit Growth (YoY) | 11.99% | 11.10% | 5.81% | 7.15% | 9.31% | -268 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.47% | 1.70% | 0.09% | 0.47% | -3 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.12% | 0.14% | 0.09% | 0.05% | -17 bps | |
| Allowance / Loans | 0.89% | 0.81% | 0.79% | 0.79% | 0.79% | -11 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.7x | 0.5x | 8.9x | 1.7x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.03% | 18.35% | 16.52% | 16.83% | 16.51% | -153 bps | |
| Total Risk-Based Capital | 46.97% | 48.04% | 46.16% | 47.91% | 48.74% | +177 bps | |
| Equity / Assets | 12.64% | 14.01% | 13.19% | 12.59% | 12.81% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 32.66% | 34.13% | 31.90% | 29.95% | 28.94% | -372 bps | |
| Liquid Assets / Assets | 2.09% | 2.12% | 2.02% | 1.96% | 1.91% | -17 bps | |
| CRE / Total Capital | n/a | 19.68% | 20.50% | 20.01% | n/a | n/a | |