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 | |