La Grange, TX · Cert 3289 · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions
National charter · OCC · 2 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
15
Asset Quality
59
Profitability
9
Liquidity
99
Efficiency
14
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.
La Grange, TX · Cert 3289 · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions
National charter · OCC · 2 branches
Q2 2026
Market Position · Corpus Christi, TX · 2026 SOD (annual) · 0.1% share · #16 of 16 inst. · $0.0B 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 | 0.18% | 0.25% | 0.16% | 0.28% | 0.36% | 0.41% | 0.30% | 0.34% | +6 bps | |
| Return on Equity | 2.12% | 2.94% | 1.88% | 3.32% | 4.26% | 4.86% | 3.55% | 3.97% | +65 bps | |
| Net Interest Margin | 2.03% | 2.16% | 2.48% | 2.50% | 2.64% | 2.60% | 2.51% | 2.61% | +11 bps | |
| Efficiency Ratio | 93.20% | 89.16% | 86.94% | 83.59% | 81.37% | 80.35% | 84.70% | 82.71% | -88 bps | |
| Non-Interest Burden | 1.87% | 1.88% | 2.11% | 2.04% | 2.08% | 2.02% | 2.07% | 2.10% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.30% | -8.21% | 1.46% | 3.07% | 4.82% | 12.03% | 7.08% | 6.23% | +316 bps | |
| Loan Growth (YoY) | -4.86% | -6.61% | 5.28% | 10.82% | 9.24% | 11.27% | 4.03% | 1.87% | -896 bps | |
| Deposit Growth (YoY) | 3.83% | 3.43% | 4.68% | 5.53% | 6.03% | 7.79% | 10.09% | 9.68% | +415 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.03% | 0.22% | 0.22% | 0.18% | 0.17% | 0.17% | -5 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | 0.03% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.14% | 1.17% | 1.19% | 1.13% | 1.13% | 1.18% | +1 bps | |
| Allowance Coverage of NPLs | 27.4x | 36.6x | 39.1x | 5.3x | 5.5x | 6.2x | 6.5x | 6.9x | +1.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.37% | 12.87% | 12.19% | 11.21% | 11.77% | 11.34% | 10.88% | 10.83% | -38 bps | |
| Total Risk-Based Capital | 12.37% | 12.87% | 12.19% | 11.21% | 11.77% | 11.34% | 10.88% | 10.83% | -38 bps | |
| Equity / Assets | 9.41% | 8.72% | 8.48% | 7.77% | 8.60% | 8.55% | 8.40% | 8.53% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.95% | 65.48% | 70.40% | 71.06% | 68.98% | 67.59% | 66.53% | 66.00% | -506 bps | |
| Liquid Assets / Assets | 2.55% | 2.72% | 4.35% | 3.35% | 4.73% | 4.26% | 4.33% | 3.41% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 281% | 292% | n/a | n/a | |
La Grange, TX · Cert 3289 · Peer group: banks under $1B in assets in TX (n=208-211) · First La Grange Bancshares Employee STK Ownership Plan With 401 K Provisions
National charter · OCC · 2 branches
Q2 2026
Return on Assets
0.34%
Rank 191 of 211
Net Interest Margin
2.61%
Rank 199 of 211
Efficiency Ratio
82.71%
Rank 182 of 211
Equity / Assets
8.53%
Rank 187 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.34% | 0.87% | 1.20% | 1.65% | Beats 9% | 191 / 211 | ||
| Return on Equity | 3.96% | 7.52% | 11.67% | 14.58% | Beats 12% | 186 / 211 | ||
| Net Interest Margin | 2.61% | 3.28% | 3.82% | 4.31% | Beats 6% | 199 / 211 | ||
| Efficiency Ratio | 82.71% | 53.01% | 64.18% | 73.65% | Beats 14% | 182 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.17% | 0.01% | 0.30% | 1.10% | Beats 58% | 89 / 208 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 60% | 85 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.83% | 11.72% | 14.45% | 19.57% | Beats 17% | 175 / 211 | ||
| Total Risk-Based Capital Ratio | 10.83% | 11.94% | 14.78% | 20.30% | Beats 17% | 176 / 211 | ||
| Equity / Assets | 8.53% | 9.41% | 11.06% | 12.94% | Beats 11% | 187 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.00% | 45.39% | 66.56% | 82.03% | 49th pctl | 107 / 208 | ||
| Loans / Assets | 55.50% | 39.13% | 56.90% | 70.46% | 45th pctl | 117 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||