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 (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 | 1.11% | 1.43% | 1.13% | 1.20% | 1.57% | 1.71% | 1.69% | 1.50% | +30 bps | |
| Return on Equity | 15.16% | 18.72% | 14.62% | 15.32% | 19.62% | 20.37% | 19.66% | 16.88% | +155 bps | |
| Net Interest Margin | 3.71% | 4.03% | 4.01% | 4.16% | 4.31% | 4.35% | 4.32% | 4.29% | +13 bps | |
| Efficiency Ratio | 65.77% | 63.50% | 70.25% | 62.56% | 61.85% | 60.21% | 58.02% | 62.61% | +5 bps | |
| Non-Interest Burden | 2.18% | 2.26% | 2.60% | 2.34% | 2.40% | 2.27% | 2.23% | 2.44% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | -4.17% | -1.39% | -1.12% | 3.01% | 9.36% | 11.38% | 6.08% | +720 bps | |
| Loan Growth (YoY) | -0.54% | -5.84% | -0.78% | 2.55% | 15.35% | 18.32% | 9.49% | 1.53% | -102 bps | |
| Deposit Growth (YoY) | -1.47% | 0.85% | 1.08% | 1.41% | 3.76% | 3.45% | 12.28% | 10.03% | +862 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.67% | 0.74% | 0.87% | 0.71% | 0.28% | 0.08% | 0.20% | 0.41% | -30 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.15% | 0.14% | 0.09% | 0.66% | -0.04% | 0.03% | 0.05% | -4 bps | |
| Allowance / Loans | 1.36% | 1.35% | 1.25% | 1.30% | 1.08% | 1.08% | 1.13% | 1.16% | -14 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.8x | 1.4x | 1.8x | 3.9x | 12.7x | 5.5x | 2.8x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.99% | 9.15% | 9.41% | 9.32% | 9.37% | 9.53% | 9.85% | 10.20% | +87 bps | |
| Total Risk-Based Capital | 15.02% | 15.00% | 14.59% | 14.23% | 13.93% | 14.31% | 15.09% | 16.23% | +200 bps | |
| Equity / Assets | 7.70% | 7.61% | 7.86% | 7.78% | 8.22% | 8.58% | 8.61% | 9.15% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.28% | 79.14% | 83.57% | 86.61% | 90.36% | 90.51% | 81.50% | 79.92% | -669 bps | |
| Liquid Assets / Assets | 5.83% | 3.75% | 0.89% | 1.18% | 1.15% | 0.67% | 4.52% | 6.73% | +555 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 324% | 320% | 307% | n/a | n/a | |