PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Austin Bank, Texas National Association

Jacksonville, TX · Cert 3276 · Jsa Family Ltd. Partnership

National charter · OCC · 1 affiliate bank · 39 branches (48 in holding)

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BDeposits
$504.4MEquity
Loan mix
86%RE $2.1B9%C&I $0.2B5%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $1.8B37%Noninterest $1.0BQ2 2025Q2 2026

NIM

5.47%Q2 ’246.00%Q2 ’256.24%Q2 ’26+12%+9%

Non-interest income vs. expense

2.95%Q2 ’243.06%Q2 ’253.00%Q2 ’26+9%+2%

Market Position · Longview, TX · 2026 SOD (annual) · 8.4% share · #3 of 25 inst. · $0.7B of $8.0B

7.3% Smith
49.2% Cherokee
11.9% Gregg
34.5% Anderson

Executive Summary

  • Earnings: ROA of 2.13%, up 28 bps year over year; NIM at 5.12%.
  • Asset quality: problem loans at 0.60% of loans (+12 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 15.12%, up 101 bps from a year ago.
  • Funding: loans stand at 89.32% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.13%+28 bps YoY

Net Interest Margin (quarter, annualized)

5.12%+44 bps YoY

Efficiency Ratio (quarter, annualized)

51.32%-423 bps YoY

Tier 1 Leverage Ratio

15.12%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.85%2.02%2.21%2.04%2.13%+28 bps
Return on Equity13.16%14.12%15.08%13.64%14.08%+92 bps
Net Interest Margin4.68%4.78%4.85%4.86%5.12%+44 bps
Efficiency Ratio55.55%52.06%51.36%51.33%51.32%-423 bps
Non-Interest Burden2.22%2.09%2.05%2.10%2.26%+4 bps
Growth
Asset Growth (YoY)10.52%10.13%10.10%4.76%6.52%-400 bps
Loan Growth (YoY)8.25%8.14%7.15%2.30%0.68%-757 bps
Deposit Growth (YoY)11.62%10.59%9.31%3.71%5.43%-618 bps
Asset Quality
Nonperforming Loans / Loans0.48%0.53%0.60%0.57%0.60%+12 bps
Net Charge-Offs / Loans0.07%0.03%0.03%0.08%0.01%-6 bps
Allowance / Loans1.38%1.39%1.38%1.42%1.46%+9 bps
Allowance Coverage of NPLs2.9x2.6x2.3x2.5x2.4x-0.5x
Capital
Tier 1 Leverage Ratio14.10%14.36%14.53%15.03%15.12%+101 bps
Total Risk-Based Capital14.10%14.36%14.53%15.03%15.12%+101 bps
Equity / Assets14.24%14.41%14.84%15.09%15.14%+90 bps
Liquidity & Funding
Loans / Deposits93.54%92.32%93.41%91.23%89.32%-422 bps
Liquid Assets / Assets7.99%8.09%5.96%8.02%6.93%-106 bps
CRE / Total Capitaln/a250%246%236%n/an/a