Huntsville, TX · Cert 3269 · First Natl Bancshares Huntsville
National charter · OCC · 5 branches
Q2 2026
Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 0.5% share · #22 of 26 inst. · $0.0B of $9.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.77% | 1.57% | 1.82% | 2.09% | 1.85% | 1.67% | 1.82% | -1 bps | |
| Return on Equity | 11.43% | 13.49% | 12.12% | 13.54% | 15.01% | 13.70% | 12.68% | 13.41% | -13 bps | |
| Net Interest Margin | 3.85% | 4.06% | 4.04% | 4.35% | 4.40% | 4.25% | 4.06% | 4.34% | 0 bps | |
| Efficiency Ratio | 57.76% | 50.61% | 57.24% | 54.00% | 51.78% | 50.88% | 55.41% | 54.51% | +52 bps | |
| Non-Interest Burden | 1.87% | 1.46% | 1.97% | 1.97% | 1.76% | 1.50% | 1.92% | 1.99% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.92% | -2.06% | 2.34% | 5.43% | 3.97% | 5.67% | 6.36% | 5.55% | +12 bps | |
| Loan Growth (YoY) | 3.37% | 5.52% | 11.44% | 18.50% | 16.68% | 8.46% | 7.84% | 2.81% | -1,569 bps | |
| Deposit Growth (YoY) | -7.37% | -3.55% | 1.21% | 4.59% | 3.26% | 5.20% | 6.31% | 5.65% | +107 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.19% | 0.17% | 0.10% | 0.09% | 0.06% | 0.07% | 0.05% | -5 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.16% | 0.00% | 0.02% | 0.08% | 0.13% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.98% | 2.02% | 1.94% | 1.81% | 1.80% | 2.01% | 1.94% | 1.91% | +9 bps | |
| Allowance Coverage of NPLs | 17.1x | 10.4x | 11.7x | 17.6x | 19.0x | 31.0x | 29.6x | 36.9x | +19.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.01% | 12.54% | 12.80% | 13.18% | 13.46% | 12.67% | 12.67% | 13.29% | +11 bps | |
| Total Risk-Based Capital | 13.01% | 12.54% | 12.80% | 13.18% | 13.46% | 12.67% | 12.67% | 13.29% | +11 bps | |
| Equity / Assets | 13.65% | 12.61% | 13.26% | 13.68% | 14.17% | 12.93% | 13.33% | 13.74% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.46% | 63.54% | 67.81% | 72.98% | 73.97% | 65.51% | 68.78% | 71.01% | -197 bps | |
| Liquid Assets / Assets | 8.58% | 10.92% | 9.39% | 8.32% | 6.35% | 15.51% | 11.39% | 10.11% | +179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 198.66% | 193.66% | 193.58% | n/a | n/a | |