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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 $4.1MQ3 2024Q2 2026
Deposit mix
51%Interest-bearing $72.0M49%Noninterest $68.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.30%, up 10 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (-22 bps YoY), with net recoveries of 0.20%.
  • 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.

Return on Assets (quarter, annualized)

1.30%+10 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+23 bps YoY

Efficiency Ratio (quarter, annualized)

66.68%+268 bps YoY

Tier 1 Leverage Ratio

16.23%+110 bps YoY

NIM

3.65%Q2 ’243.64%Q2 ’253.77%Q2 ’26-2%+7%

Non-interest income vs. expense

2.63%Q2 ’242.70%Q2 ’252.97%Q2 ’26+92%+14%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.18%1.05%1.19%1.21%1.45%1.25%1.30%+10 bps
Return on Equity10.50%9.62%8.67%9.70%9.32%10.49%9.06%9.08%-62 bps
Net Interest Margin3.51%3.26%3.28%3.34%3.47%3.43%3.35%3.57%+23 bps
Efficiency Ratio63.56%64.13%67.64%64.00%63.98%57.17%62.15%66.68%+268 bps
Non-Interest Burden1.90%1.78%1.93%1.82%1.93%1.60%1.78%2.09%+26 bps
Growth
Asset Growth (YoY)1.67%-0.53%2.65%3.47%4.43%8.42%6.18%2.22%-125 bps
Loan Growth (YoY)4.90%-4.32%-6.93%-10.25%-8.12%0.38%4.00%7.40%+1,765 bps
Deposit Growth (YoY)-2.62%-0.51%1.38%2.12%3.12%5.98%4.39%-0.63%-276 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.22%0.00%0.00%0.00%0.00%-22 bps
Net Charge-Offs / Loans0.00%0.09%0.16%-0.06%0.48%0.02%0.95%-0.20%-14 bps
Allowance / Loans2.96%3.14%3.20%3.28%3.06%2.99%2.68%2.70%-58 bps
Allowance Coverage of NPLs335.0xn/an/a14.7xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio14.58%14.53%15.13%15.12%15.24%15.26%15.25%16.23%+110 bps
Total Risk-Based Capital41.20%14.53%15.13%29.27%15.24%15.26%15.25%16.23%-1,304 bps
Equity / Assets12.66%11.83%12.38%12.22%13.74%13.83%13.85%14.68%+245 bps
Liquidity & Funding
Loans / Deposits16.62%15.41%15.05%14.23%14.81%14.59%15.00%15.39%+115 bps
Liquid Assets / Assets7.22%10.72%14.32%16.32%17.19%18.26%18.71%8.79%-753 bps
CRE / Total Capitaln/an/an/an/a32.70%36.04%36.49%n/an/a