Sweetwater, TX · Cert 34014 · Mesa Financial Corp.
National charter · OCC · 2 branches
Q2 2026
Market Position · Abilene, TX · 2026 SOD (annual) · 0.8% share · #13 of 18 inst. · $0.0B of $5.5B
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 | 0.21% | 0.42% | 0.44% | 0.27% | 0.30% | +9 bps | |
| Return on Equity | 4.33% | 7.69% | 7.55% | 3.84% | 4.16% | -17 bps | |
| Net Interest Margin | 2.29% | 2.32% | 2.43% | 2.58% | 2.67% | +38 bps | |
| Efficiency Ratio | 93.33% | 83.09% | 82.63% | 89.51% | 88.98% | -435 bps | |
| Non-Interest Burden | 2.09% | 1.81% | 1.88% | 2.24% | 2.30% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.76% | -4.92% | -2.20% | 0.61% | 0.70% | +646 bps | |
| Loan Growth (YoY) | -8.28% | -4.62% | -3.38% | 7.06% | 18.31% | +2,659 bps | |
| Deposit Growth (YoY) | 3.50% | 3.10% | 1.38% | -1.22% | -1.40% | -489 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.03% | 0.00% | +2 bps | |
| Allowance / Loans | 1.65% | 1.64% | 1.64% | 1.61% | 1.40% | -25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.94% | 11.00% | 11.05% | 11.00% | 10.97% | +3 bps | |
| Total Risk-Based Capital | 28.46% | 29.74% | 29.42% | 29.52% | 25.99% | -247 bps | |
| Equity / Assets | 5.38% | 7.02% | 7.34% | 6.89% | 7.37% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.98% | 28.17% | 28.46% | 28.64% | 33.57% | +559 bps | |
| Liquid Assets / Assets | 5.78% | 6.05% | 6.58% | 7.69% | 2.93% | -285 bps | |
| CRE / Total Capital | n/a | 27.71% | 27.46% | 37.64% | n/a | n/a | |