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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.95% | 1.08% | 1.27% | 1.35% | 1.44% | 1.64% | 1.72% | +45 bps | |
| Return on Equity | 6.16% | 6.61% | 8.03% | 9.41% | 10.35% | 11.48% | 14.28% | 14.58% | +517 bps | |
| Net Interest Margin | 3.60% | 3.38% | 3.72% | 3.99% | 3.83% | 3.51% | 4.11% | 4.37% | +39 bps | |
| Efficiency Ratio | 63.58% | 63.09% | 59.57% | 57.08% | 54.01% | 52.91% | 48.82% | 48.30% | -878 bps | |
| Non-Interest Burden | 2.17% | 2.02% | 2.08% | 2.12% | 1.90% | 1.71% | 1.83% | 1.94% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.96% | 17.74% | 21.40% | 17.59% | 31.25% | 34.43% | 22.70% | 23.91% | +632 bps | |
| Loan Growth (YoY) | 23.69% | 22.44% | 18.34% | 29.88% | 37.16% | 35.83% | 39.05% | 28.16% | -172 bps | |
| Deposit Growth (YoY) | 17.61% | 19.67% | 23.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.14% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.22% | 12.99% | 13.10% | 12.87% | 12.19% | 10.49% | 11.57% | 11.66% | -120 bps | |
| Total Risk-Based Capital | 14.22% | 12.99% | 13.10% | 12.87% | 12.19% | 10.49% | 11.57% | 11.66% | -120 bps | |
| Equity / Assets | 14.43% | 13.48% | 13.39% | 13.46% | 11.99% | 11.05% | 12.01% | 12.34% | -112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.99% | 66.56% | 65.24% | 74.77% | 68.95% | 65.28% | 72.66% | 76.22% | +145 bps | |
| Liquid Assets / Assets | 16.09% | 19.80% | 22.50% | 15.09% | 23.40% | 26.11% | 19.89% | 17.92% | +283 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 305% | 331% | 338% | n/a | n/a | |