Shiner, TX · Cert 5529
FDIC · 5 branches
Q2 2025
Market Position · Victoria, TX · 2025 SOD (annual) · 3.6% share · #7 of 13 inst. · $0.1B of $2.5B
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.34% | 0.02% | -0.15% | -0.25% | -0.11% | -0.06% | 0.15% | +29 bps | |
| Return on Equity | -7.76% | -6.56% | -0.45% | 3.84% | 7.25% | 2.81% | 1.07% | -2.21% | -604 bps | |
| Net Interest Margin | 1.46% | 1.36% | 0.93% | 0.86% | 0.85% | 0.86% | 0.99% | 1.08% | +23 bps | |
| Efficiency Ratio | 59.27% | 64.39% | 97.25% | 110.86% | 115.48% | 111.23% | 98.17% | 84.47% | -2,639 bps | |
| Non-Interest Burden | 1.03% | 1.00% | 0.90% | 0.97% | 1.01% | 0.98% | 0.97% | 0.87% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.77% | 3.75% | -3.18% | -1.90% | 8.50% | -10.22% | -14.45% | -14.09% | -1,219 bps | |
| Loan Growth (YoY) | 9.94% | 33.74% | 26.92% | 18.72% | 16.82% | -0.17% | -7.97% | -8.20% | -2,692 bps | |
| Deposit Growth (YoY) | -7.33% | -5.29% | -4.10% | -2.63% | -1.31% | -1.80% | -6.13% | -5.03% | -240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 1.65% | 0.44% | 0.41% | 0.52% | 1.50% | 1.47% | +104 bps | |
| Net Charge-Offs / Loans | -0.36% | -0.23% | 0.44% | 0.24% | 0.17% | 0.13% | 0.32% | 0.17% | -7 bps | |
| Allowance / Loans | 1.79% | 1.72% | 1.59% | 1.63% | 1.61% | 1.59% | 1.63% | 1.67% | +5 bps | |
| Allowance Coverage of NPLs | 46.6x | 55.6x | 1.0x | 3.7x | 3.9x | 3.1x | 1.1x | 1.1x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.11% | 11.33% | 11.09% | 11.08% | 11.27% | 11.36% | 12.06% | 12.50% | +142 bps | |
| Total Risk-Based Capital | 31.24% | 11.33% | 11.09% | 11.08% | 11.27% | 11.36% | 12.06% | 12.50% | +142 bps | |
| Equity / Assets | -11.15% | -2.81% | -3.94% | -4.62% | -2.15% | -5.44% | -6.63% | -7.89% | -327 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 19.44% | 22.12% | 22.29% | 22.18% | 23.01% | 22.49% | 21.85% | 21.44% | -74 bps | |
| Liquid Assets / Assets | 11.04% | 11.13% | 13.62% | 12.07% | 11.64% | 9.33% | 8.28% | 10.01% | -207 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |