Kingsville, TX · Cert 3286 · Kleberg&Company Bankers Inc.
National charter · OCC · 4 branches
Q2 2026
Market Position · Corpus Christi, TX · 2026 SOD (annual) · 4.2% share · #5 of 16 inst. · $0.3B of $8.1B
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 | 1.08% | 1.01% | 1.00% | 1.06% | 1.11% | 1.10% | 1.14% | 1.20% | +14 bps | |
| Return on Equity | 13.31% | 12.28% | 11.45% | 12.20% | 12.51% | 12.28% | 11.93% | 12.37% | +17 bps | |
| Net Interest Margin | 3.48% | 3.55% | 3.61% | 3.64% | 3.73% | 3.76% | 3.93% | 4.04% | +41 bps | |
| Efficiency Ratio | 64.30% | 65.63% | 67.30% | 66.23% | 65.16% | 65.11% | 66.09% | 65.01% | -122 bps | |
| Non-Interest Burden | 1.86% | 1.97% | 2.14% | 2.12% | 2.12% | 2.14% | 2.29% | 2.32% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | -2.47% | -3.65% | 3.26% | 4.18% | 5.00% | 3.51% | 2.75% | -51 bps | |
| Loan Growth (YoY) | 9.87% | 13.72% | 13.45% | 12.82% | 11.18% | 5.00% | 4.28% | 4.97% | -785 bps | |
| Deposit Growth (YoY) | 0.58% | -1.29% | -3.73% | -0.48% | 1.62% | 7.40% | 4.94% | 4.57% | +505 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.44% | 0.50% | 0.51% | 0.51% | 0.41% | 0.33% | 0.10% | -41 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.08% | 0.15% | 0.10% | 0.09% | 0.09% | 0.07% | 0.06% | -3 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.22% | 1.24% | 1.25% | 1.22% | 1.23% | 1.24% | 0 bps | |
| Allowance Coverage of NPLs | 9.5x | 2.8x | 2.5x | 2.5x | 2.4x | 3.0x | 3.7x | 12.6x | +10.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.40% | 9.67% | 9.53% | 9.28% | 9.59% | 9.56% | 9.30% | 9.45% | +17 bps | |
| Total Risk-Based Capital | 14.86% | 14.48% | 14.32% | 14.20% | 14.44% | 14.35% | 14.05% | 14.14% | -6 bps | |
| Equity / Assets | 9.18% | 8.52% | 8.86% | 8.65% | 9.31% | 9.40% | 9.71% | 9.92% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.11% | 77.50% | 76.52% | 77.92% | 77.80% | 75.77% | 76.04% | 78.21% | +30 bps | |
| Liquid Assets / Assets | 3.00% | 1.06% | 2.49% | 2.04% | 2.84% | 5.09% | 5.69% | 3.70% | +165 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 298% | 311% | 313% | n/a | n/a | |