Quitaque, TX · Cert 3401 · Quitaque National Corp.
National charter · OCC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
11
Profitability
49
Liquidity
21
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Quitaque, TX · Cert 3401 · Quitaque National Corp.
National charter · OCC · 3 branches
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 | 1.47% | 1.57% | 1.11% | 1.40% | 1.43% | 1.53% | 1.36% | 1.38% | -2 bps | |
| Return on Equity | 14.97% | 15.80% | 10.62% | 13.39% | 13.56% | 14.43% | 12.98% | 13.07% | -32 bps | |
| Net Interest Margin | 4.22% | 4.14% | 3.91% | 3.89% | 3.85% | 3.75% | 3.30% | 3.29% | -60 bps | |
| Efficiency Ratio | 43.19% | 44.19% | 45.18% | 45.90% | 49.31% | 48.29% | 52.08% | 49.47% | +357 bps | |
| Non-Interest Burden | 1.65% | 1.66% | 1.59% | 1.62% | 1.75% | 1.64% | 1.58% | 1.49% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 3.97% | 1.80% | 9.00% | 10.13% | 10.18% | 15.82% | 11.37% | +237 bps | |
| Loan Growth (YoY) | 18.33% | 19.49% | 22.66% | 0.51% | -3.54% | -1.25% | -15.04% | -3.47% | -398 bps | |
| Deposit Growth (YoY) | 3.77% | 2.77% | 0.72% | 8.60% | 9.80% | 10.02% | 16.31% | 11.31% | +271 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.55% | 2.34% | 1.88% | 2.10% | 1.65% | 1.56% | 2.26% | 1.71% | -39 bps | |
| Net Charge-Offs / Loans | 1.57% | 1.19% | 2.23% | 1.25% | 0.89% | 0.58% | 0.08% | 0.72% | -53 bps | |
| Allowance / Loans | 1.41% | 1.44% | 1.48% | 1.59% | 1.46% | 1.53% | 1.82% | 1.53% | -6 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.8x | 0.8x | 0.9x | 1.0x | 0.8x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.34% | 10.47% | 10.43% | 10.74% | 10.80% | 10.78% | 10.55% | 10.59% | -15 bps | |
| Total Risk-Based Capital | 10.34% | 10.47% | 10.43% | 10.74% | 10.80% | 10.78% | 10.55% | 10.59% | -15 bps | |
| Equity / Assets | 10.44% | 10.41% | 10.49% | 10.54% | 10.81% | 10.73% | 10.29% | 10.64% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.49% | 50.17% | 47.92% | 43.89% | 46.12% | 45.03% | 35.01% | 38.06% | -583 bps | |
| Liquid Assets / Assets | 34.39% | 34.52% | 36.11% | 39.93% | 39.27% | 37.24% | 49.22% | 44.28% | +435 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.90% | 2.16% | 3.28% | n/a | n/a | |
Quitaque, TX · Cert 3401 · Peer group: banks under $1B in assets in TX (n=208-211) · Quitaque National Corp.
National charter · OCC · 3 branches
Q2 2026
Return on Assets
1.35%
Rank 82 of 211
Net Interest Margin
3.29%
Rank 154 of 211
Efficiency Ratio
49.47%
Rank 38 of 211
Equity / Assets
10.64%
Rank 118 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.65% | Beats 61% | 82 / 211 | ||
| Return on Equity | 12.71% | 7.52% | 11.67% | 14.58% | Beats 58% | 88 / 211 | ||
| Net Interest Margin | 3.29% | 3.28% | 3.82% | 4.31% | Beats 27% | 154 / 211 | ||
| Efficiency Ratio | 49.47% | 53.01% | 64.18% | 73.65% | Beats 82% | 38 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.01% | 0.30% | 1.10% | Beats 19% | 169 / 208 | ||
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.01% | 0.06% | Beats 3% | 203 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.59% | 11.72% | 14.45% | 19.57% | Beats 14% | 182 / 211 | ||
| Total Risk-Based Capital Ratio | 10.59% | 11.94% | 14.78% | 20.30% | Beats 13% | 184 / 211 | ||
| Equity / Assets | 10.64% | 9.41% | 11.06% | 12.94% | Beats 44% | 118 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.06% | 45.39% | 66.56% | 82.03% | 14th pctl | 178 / 208 | ||
| Loans / Assets | 33.58% | 39.13% | 56.90% | 70.46% | 16th pctl | 177 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||