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 | |