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Big Bend Banks, N.A. Dba Marfa National Bank, The

Marfa, TX · Cert 3320 · Big Bend Bancshares Corp.

National charter · OCC · 2 branches

Q2 2026

$165.4MAssets
$21.7MLoans
$140.9MDeposits
$24.3MEquity
Loan mix
70%RE $14.7M11%C&I $2.3M19%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $72.0M49%Noninterest $68.9MQ2 2025Q2 2026

NIM

3.59%Q2 ’243.56%Q2 ’253.74%Q2 ’26-3%+8%

Non-interest income vs. expense

2.71%Q2 ’242.72%Q2 ’252.83%Q2 ’26+29%+6%

Executive Summary

  • Earnings: ROA of 1.27%, up 15 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.00% of loans (-22 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 16.23%, up 110 bps from a year ago.
  • Funding: loans stand at 15.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.27%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+26 bps YoY

Efficiency Ratio (YTD, annualized)

64.45%-133 bps YoY

Tier 1 Leverage Ratio

16.23%+110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.15%1.23%1.25%1.27%+15 bps
Return on Equity9.21%9.16%9.58%9.06%9.01%-20 bps
Net Interest Margin3.27%3.30%3.27%3.35%3.53%+26 bps
Efficiency Ratio65.78%65.16%63.07%62.15%64.45%-133 bps
Non-Interest Burden1.85%1.86%1.75%1.78%1.97%+11 bps
Growth
Asset Growth (YoY)3.47%4.43%8.42%6.18%2.22%-125 bps
Loan Growth (YoY)-10.25%-8.12%0.38%4.00%7.40%+1,765 bps
Deposit Growth (YoY)2.12%3.12%5.98%4.39%-0.63%-276 bps
Asset Quality
Nonperforming Loans / Loans0.22%0.00%0.00%0.00%0.00%-22 bps
Net Charge-Offs / Loans0.05%0.19%0.15%0.95%0.37%+32 bps
Allowance / Loans3.28%3.06%2.99%2.68%2.70%-58 bps
Allowance Coverage of NPLs14.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.12%15.24%15.26%15.25%16.23%+110 bps
Total Risk-Based Capital29.27%15.24%15.26%15.25%16.23%-1,304 bps
Equity / Assets12.22%13.74%13.83%13.85%14.68%+245 bps
Liquidity & Funding
Loans / Deposits14.23%14.81%14.59%15.00%15.39%+115 bps
Liquid Assets / Assets16.32%17.19%18.26%18.71%8.79%-753 bps
CRE / Total Capitaln/a32.70%36.04%36.49%n/an/a