Mexia, TX · Cert 3342 · Bi-Stone Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 0.8% share · #21 of 28 inst. · $0.1B of $8.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.30% | 1.41% | 1.69% | 1.60% | +44 bps | |
| Return on Equity | 15.02% | 16.55% | 17.61% | 19.66% | 18.23% | +321 bps | |
| Net Interest Margin | 4.03% | 4.03% | 4.05% | 4.32% | 4.30% | +27 bps | |
| Efficiency Ratio | 66.30% | 64.73% | 63.49% | 58.02% | 60.31% | -600 bps | |
| Non-Interest Burden | 2.44% | 2.37% | 2.31% | 2.23% | 2.33% | -10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.12% | 3.01% | 9.36% | 11.38% | 6.08% | +720 bps | |
| Loan Growth (YoY) | 2.55% | 15.35% | 18.32% | 9.49% | 1.53% | -102 bps | |
| Deposit Growth (YoY) | 1.41% | 3.76% | 3.45% | 12.28% | 10.03% | +862 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.28% | 0.08% | 0.20% | 0.41% | -30 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.29% | 0.21% | 0.03% | 0.04% | -8 bps | |
| Allowance / Loans | 1.30% | 1.08% | 1.08% | 1.13% | 1.16% | -14 bps | |
| Allowance Coverage of NPLs | 1.8x | 3.9x | 12.7x | 5.5x | 2.8x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.32% | 9.37% | 9.53% | 9.85% | 10.20% | +87 bps | |
| Total Risk-Based Capital | 14.23% | 13.93% | 14.31% | 15.09% | 16.23% | +200 bps | |
| Equity / Assets | 7.78% | 8.22% | 8.58% | 8.61% | 9.15% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.61% | 90.36% | 90.51% | 81.50% | 79.92% | -669 bps | |
| Liquid Assets / Assets | 1.18% | 1.15% | 0.67% | 4.52% | 6.73% | +555 bps | |
| CRE / Total Capital | n/a | 324% | 320% | 307% | n/a | n/a | |