Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR
State charter, Fed member · FED · 1 branch
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
79
Asset Quality
16
Profitability
47
Liquidity
73
Efficiency
70
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.
Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR
State charter, Fed member · FED · 1 branch
Q2 2026
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% | 1.05% | 1.16% | 1.13% | 1.17% | 1.17% | 1.22% | 1.21% | +8 bps | |
| Return on Equity | 8.24% | 7.97% | 8.26% | 7.85% | 7.87% | 7.73% | 7.73% | 7.64% | -21 bps | |
| Net Interest Margin | 3.35% | 3.47% | 3.70% | 3.76% | 3.78% | 3.81% | 4.08% | 4.08% | +32 bps | |
| Efficiency Ratio | 61.39% | 64.71% | 57.38% | 58.70% | 57.68% | 58.92% | 54.95% | 55.30% | -340 bps | |
| Non-Interest Burden | 1.96% | 2.14% | 1.99% | 2.09% | 2.07% | 2.14% | 2.13% | 2.14% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | -3.71% | -1.74% | -2.51% | 0.15% | 3.23% | 9.89% | 7.30% | +981 bps | |
| Loan Growth (YoY) | -0.36% | -1.01% | 1.96% | -0.51% | -1.90% | 2.63% | 3.15% | 5.29% | +581 bps | |
| Deposit Growth (YoY) | -0.50% | 3.37% | -3.41% | -1.29% | 1.26% | -0.10% | 11.05% | 5.22% | +651 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.85% | 2.70% | 2.26% | 3.41% | 3.75% | 2.88% | 3.57% | 2.45% | -96 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.07% | -0.01% | 0.51% | 0.36% | 0.41% | 0.00% | 0.14% | -37 bps | |
| Allowance / Loans | 1.47% | 1.44% | 1.56% | 1.42% | 1.52% | 1.43% | 1.65% | 1.77% | +35 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.7x | 0.4x | 0.4x | 0.5x | 0.5x | 0.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.54% | 19.34% | 20.30% | 20.53% | 20.64% | 20.05% | 19.63% | 19.86% | -67 bps | |
| Total Risk-Based Capital | 19.54% | 19.34% | 20.30% | 20.53% | 20.64% | 20.05% | 19.63% | 19.86% | -67 bps | |
| Equity / Assets | 14.63% | 13.21% | 14.92% | 15.12% | 16.17% | 16.06% | 15.52% | 15.82% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.59% | 55.22% | 57.88% | 56.86% | 55.80% | 56.74% | 53.76% | 56.90% | +4 bps | |
| Liquid Assets / Assets | 4.86% | 4.23% | 4.23% | 3.56% | 4.85% | 4.89% | 6.21% | 4.49% | +93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 30.62% | 40.88% | 40.02% | n/a | n/a | |
Mason, TX · Cert 3327 · Peer group: banks under $1B in assets in TX (n=208-211) · Mason Bk Emp STK Ownership PLAN&TR
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 104 of 211
Net Interest Margin
4.08%
Rank 79 of 211
Efficiency Ratio
55.30%
Rank 64 of 211
Equity / Assets
15.82%
Rank 25 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.87% | 1.20% | 1.65% | Beats 51% | 104 / 211 | ||
| Return on Equity | 7.63% | 7.52% | 11.67% | 14.58% | Beats 27% | 155 / 211 | ||
| Net Interest Margin | 4.08% | 3.28% | 3.82% | 4.31% | Beats 63% | 79 / 211 | ||
| Efficiency Ratio | 55.30% | 53.01% | 64.18% | 73.65% | Beats 70% | 64 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.45% | 0.01% | 0.30% | 1.10% | Beats 10% | 189 / 208 | ||
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.06% | Beats 22% | 164 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.86% | 11.72% | 14.45% | 19.57% | Beats 75% | 52 / 211 | ||
| Total Risk-Based Capital Ratio | 19.86% | 11.94% | 14.78% | 20.30% | Beats 74% | 55 / 211 | ||
| Equity / Assets | 15.82% | 9.41% | 11.06% | 12.94% | Beats 88% | 25 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.90% | 45.39% | 66.56% | 82.03% | 34th pctl | 137 / 208 | ||
| Loans / Assets | 47.17% | 39.13% | 56.90% | 70.46% | 31st pctl | 145 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||