Austin, TX · Cert 57495 · Bat Investments Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.1% share · #46 of 73 inst. · $0.1B of $70.4B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.35% | 1.44% | 1.64% | 1.72% | +45 bps | |
| Return on Equity | 9.41% | 10.35% | 11.48% | 14.28% | 14.58% | +517 bps | |
| Net Interest Margin | 3.99% | 3.83% | 3.51% | 4.11% | 4.37% | +39 bps | |
| Efficiency Ratio | 57.08% | 54.01% | 52.91% | 48.82% | 48.30% | -878 bps | |
| Non-Interest Burden | 2.12% | 1.90% | 1.71% | 1.83% | 1.94% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.59% | 31.25% | 34.43% | 22.70% | 23.91% | +632 bps | |
| Loan Growth (YoY) | 29.88% | 37.16% | 35.83% | 39.05% | 28.16% | -172 bps | |
| Deposit Growth (YoY) | 19.21% | 35.24% | 38.47% | 24.85% | 25.72% | +650 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.05% | 1.07% | 1.08% | 1.08% | 1.05% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.87% | 12.19% | 10.49% | 11.57% | 11.66% | -120 bps | |
| Total Risk-Based Capital | 12.87% | 12.19% | 10.49% | 11.57% | 11.66% | -120 bps | |
| Equity / Assets | 13.46% | 11.99% | 11.05% | 12.01% | 12.34% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.77% | 68.95% | 65.28% | 72.66% | 76.22% | +145 bps | |
| Liquid Assets / Assets | 15.09% | 23.40% | 26.11% | 19.89% | 17.92% | +283 bps | |
| CRE / Total Capital | n/a | 305% | 331% | 338% | n/a | n/a | |