Rotan, TX · Cert 34455 · Rotan Bancshares Inc.
National charter · OCC · 1 branch
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.57% | 0.50% | 0.54% | 0.56% | -3 bps | |
| Return on Equity | 18.22% | 15.09% | 11.85% | 9.25% | 9.48% | -875 bps | |
| Net Interest Margin | 2.83% | 2.80% | 2.66% | 2.89% | 2.91% | +8 bps | |
| Efficiency Ratio | 83.11% | 79.78% | 81.85% | 79.98% | 79.50% | -361 bps | |
| Non-Interest Burden | 2.28% | 2.14% | 2.10% | 2.24% | 2.23% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.23% | 7.54% | 3.89% | 4.09% | 12.81% | +1,403 bps | |
| Loan Growth (YoY) | -7.88% | 1.28% | -0.28% | -0.91% | 16.78% | +2,466 bps | |
| Deposit Growth (YoY) | -2.74% | 6.56% | 2.58% | 1.21% | 10.78% | +1,352 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 2.31% | 2.14% | 3.40% | 3.09% | +292 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.21% | -0.18% | -0.21% | -0.31% | -16 bps | |
| Allowance / Loans | 2.43% | 2.32% | 2.10% | 2.33% | 2.30% | -13 bps | |
| Allowance Coverage of NPLs | 14.5x | 1.0x | 1.0x | 0.7x | 0.7x | -13.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.11% | 10.09% | 9.81% | 9.68% | 9.71% | -40 bps | |
| Total Risk-Based Capital | 23.63% | 23.09% | 21.40% | 21.30% | 22.79% | -84 bps | |
| Equity / Assets | 4.24% | 5.36% | 5.82% | 5.89% | 6.04% | +181 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.51% | 41.93% | 46.89% | 41.64% | 44.81% | +230 bps | |
| Liquid Assets / Assets | 0.31% | 0.31% | 0.59% | 0.61% | 0.32% | +1 bps | |
| CRE / Total Capital | n/a | 32.28% | 35.09% | 39.16% | n/a | n/a | |