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Mason Bank

Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR

State charter, Fed member · FED · 1 branch

Q2 2026

$147.5MAssets
$69.6MLoans
$122.3MDeposits
$23.3MEquity
Loan mix
51%RE $31.6M19%C&I $11.7M30%Consumer $18.4MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $80.9M34%Noninterest $41.4MQ2 2025Q2 2026

NIM

4.64%Q2 ’244.89%Q2 ’254.89%Q2 ’26+15%+7%

Non-interest income vs. expense

2.28%Q2 ’242.44%Q2 ’252.42%Q2 ’26+7%-2%

Executive Summary

  • Earnings: ROA of 1.18%, up 7 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 2.45% of loans (-96 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 19.86%, down 67 bps from a year ago.
  • Funding: loans stand at 56.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.18%+7 bps YoY

Net Interest Margin (quarter, annualized)

4.07%+26 bps YoY

Efficiency Ratio (quarter, annualized)

55.65%-435 bps YoY

Tier 1 Leverage Ratio

19.86%-67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.26%1.15%1.22%1.18%+7 bps
Return on Equity7.35%8.03%7.14%7.73%7.53%+17 bps
Net Interest Margin3.81%3.89%4.20%4.08%4.07%+26 bps
Efficiency Ratio60.00%55.70%62.23%54.95%55.65%-435 bps
Non-Interest Burden2.18%2.06%2.52%2.13%2.14%-4 bps
Growth
Asset Growth (YoY)-2.51%0.15%3.23%9.89%7.30%+981 bps
Loan Growth (YoY)-0.51%-1.90%2.63%3.15%5.29%+581 bps
Deposit Growth (YoY)-1.29%1.26%-0.10%11.05%5.22%+651 bps
Asset Quality
Nonperforming Loans / Loans3.41%3.75%2.88%3.57%2.45%-96 bps
Net Charge-Offs / Loans1.02%0.06%0.60%0.00%0.28%-75 bps
Allowance / Loans1.42%1.52%1.43%1.65%1.77%+35 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.5x0.7x+0.3x
Capital
Tier 1 Leverage Ratio20.53%20.64%20.05%19.63%19.86%-67 bps
Total Risk-Based Capital20.53%20.64%20.05%19.63%19.86%-67 bps
Equity / Assets15.12%16.17%16.06%15.52%15.82%+70 bps
Liquidity & Funding
Loans / Deposits56.86%55.80%56.74%53.76%56.90%+4 bps
Liquid Assets / Assets3.56%4.85%4.89%6.21%4.49%+93 bps
CRE / Total Capitaln/a30.62%40.88%40.02%n/an/a