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 (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 | -0.02% | 0.10% | 0.15% | 0.28% | 0.84% | 0.50% | 0.27% | 0.33% | +5 bps | |
| Return on Equity | -0.39% | 2.03% | 3.25% | 5.23% | 13.50% | 6.94% | 3.84% | 4.56% | -67 bps | |
| Net Interest Margin | 1.87% | 2.01% | 2.13% | 2.34% | 2.46% | 2.65% | 2.58% | 2.79% | +45 bps | |
| Efficiency Ratio | 100.73% | 95.31% | 98.24% | 88.66% | 64.64% | 81.38% | 89.51% | 88.49% | -17 bps | |
| Non-Interest Burden | 1.88% | 1.87% | 2.08% | 1.99% | 1.32% | 2.02% | 2.24% | 2.38% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.26% | -15.64% | -16.54% | -5.76% | -4.92% | -2.20% | 0.61% | 0.70% | +646 bps | |
| Loan Growth (YoY) | 4.49% | 8.40% | -2.56% | -8.28% | -4.62% | -3.38% | 7.06% | 18.31% | +2,659 bps | |
| Deposit Growth (YoY) | -3.82% | -2.90% | 1.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.02% | -0.02% | -0.01% | 0.00% | -0.02% | -0.03% | 0.03% | +4 bps | |
| Allowance / Loans | 1.56% | 1.57% | 1.71% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 10.18% | 10.34% | 10.94% | 11.00% | 11.05% | 11.00% | 10.97% | +3 bps | |
| Total Risk-Based Capital | 26.49% | 26.82% | 28.67% | 28.46% | 29.74% | 29.42% | 29.52% | 25.99% | -247 bps | |
| Equity / Assets | 5.76% | 4.29% | 5.17% | 5.38% | 7.02% | 7.34% | 6.89% | 7.37% | +199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.46% | 29.86% | 26.43% | 27.98% | 28.17% | 28.46% | 28.64% | 33.57% | +559 bps | |
| Liquid Assets / Assets | 6.69% | 6.26% | 7.58% | 5.78% | 6.05% | 6.58% | 7.69% | 2.93% | -285 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 27.71% | 27.46% | 37.64% | n/a | n/a | |