Mason, TX · Cert 3327 · Mason Bk Emp STK Ownership PLAN&TR
State charter, Fed member · FED · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.93% | 1.16% | 1.10% | 1.26% | 1.15% | 1.22% | 1.18% | +7 bps | |
| Return on Equity | 7.79% | 6.68% | 8.26% | 7.35% | 8.03% | 7.14% | 7.73% | 7.53% | +17 bps | |
| Net Interest Margin | 3.37% | 3.88% | 3.70% | 3.81% | 3.89% | 4.20% | 4.08% | 4.07% | +26 bps | |
| Efficiency Ratio | 62.01% | 72.92% | 57.38% | 60.00% | 55.70% | 62.23% | 54.95% | 55.65% | -435 bps | |
| Non-Interest Burden | 2.00% | 2.71% | 1.99% | 2.18% | 2.06% | 2.52% | 2.13% | 2.14% | -4 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 | 0.00% | 0.20% | -0.01% | 1.02% | 0.06% | 0.60% | 0.00% | 0.28% | -75 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 | |