Houston, TX · Cert 34656 · Afnb Holdings Inc.
National charter · OCC · 20 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
46
Profitability
89
Liquidity
19
Efficiency
95
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.
Houston, TX · Cert 34656 · Afnb Holdings Inc.
National charter · OCC · 20 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #26 of 107 inst. · $1.2B of $360.4B
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 | 1.44% | 1.29% | 1.79% | 1.85% | 1.88% | 1.60% | 2.40% | 2.13% | +28 bps | |
| Return on Equity | 11.55% | 10.37% | 14.18% | 14.53% | 14.57% | 12.37% | 17.75% | 15.49% | +96 bps | |
| Net Interest Margin | 3.47% | 3.49% | 3.80% | 3.83% | 3.86% | 3.89% | 4.82% | 4.42% | +58 bps | |
| Efficiency Ratio | 46.24% | 52.38% | 41.47% | 39.73% | 39.58% | 47.65% | 35.51% | 38.11% | -162 bps | |
| Non-Interest Burden | 1.56% | 1.78% | 1.52% | 1.47% | 1.48% | 1.81% | 1.66% | 1.63% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 5.84% | 6.58% | 6.67% | 3.58% | 5.31% | 2.05% | 0.77% | -590 bps | |
| Loan Growth (YoY) | 7.41% | 5.88% | 4.02% | 2.59% | 0.67% | -0.15% | -1.55% | -0.01% | -259 bps | |
| Deposit Growth (YoY) | 7.55% | 5.44% | 6.16% | 6.46% | 3.13% | 4.63% | 0.92% | -0.56% | -702 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 1.18% | 1.33% | 1.65% | 1.43% | 1.42% | 0.31% | 0.42% | -122 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.08% | -0.04% | 0.00% | 0.03% | 0.03% | 0.15% | 0.08% | +8 bps | |
| Allowance / Loans | 1.03% | 1.00% | 1.01% | 1.02% | 1.04% | 1.07% | 1.07% | 1.07% | +4 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 0.8x | 0.6x | 0.7x | 0.8x | 3.4x | 2.5x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.81% | 12.45% | 12.98% | 13.17% | 13.43% | 13.23% | 13.97% | 14.38% | +121 bps | |
| Total Risk-Based Capital | 15.26% | 14.90% | 15.15% | 15.84% | 16.68% | 16.34% | 17.18% | 17.44% | +160 bps | |
| Equity / Assets | 12.54% | 12.54% | 12.73% | 12.95% | 13.33% | 13.21% | 13.88% | 14.24% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.92% | 102.36% | 100.12% | 98.30% | 96.56% | 97.68% | 97.68% | 98.85% | +55 bps | |
| Liquid Assets / Assets | 8.13% | 6.53% | 8.02% | 10.36% | 11.96% | 10.77% | 11.20% | 10.77% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 546% | 558% | 525% | n/a | n/a | |
Houston, TX · Cert 34656 · Peer group: banks $1B-$10B in assets (n=322-328) · Afnb Holdings Inc.
National charter · OCC · 20 branches
Q2 2026
Return on Assets
2.13%
Rank 16 of 328
Net Interest Margin
4.42%
Rank 31 of 328
Efficiency Ratio
38.11%
Rank 16 of 328
Equity / Assets
14.24%
Rank 32 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.13% | 0.91% | 1.22% | 1.52% | Beats 95% | 16 / 328 | ||
| Return on Equity | 14.94% | 8.43% | 11.45% | 14.43% | Beats 80% | 64 / 328 | ||
| Net Interest Margin | 4.42% | 3.03% | 3.45% | 3.83% | Beats 91% | 31 / 328 | ||
| Efficiency Ratio | 38.11% | 51.61% | 59.56% | 67.53% | Beats 95% | 16 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.24% | 0.51% | 1.03% | Beats 60% | 131 / 322 | ||
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.03% | 0.10% | Beats 31% | 224 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.38% | 11.75% | 13.15% | 15.47% | Beats 81% | 61 / 328 | ||
| Total Risk-Based Capital Ratio | 17.44% | 12.63% | 14.15% | 16.46% | Beats 82% | 59 / 328 | ||
| Equity / Assets | 14.24% | 9.15% | 10.33% | 12.01% | Beats 90% | 32 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.85% | 76.63% | 87.92% | 95.36% | 83rd pctl | 56 / 323 | ||
| Loans / Assets | 83.55% | 65.18% | 74.15% | 79.98% | 87th pctl | 44 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||