Austin, TX · Cert 58082 · Greenback Fincorp Inc.
SI · FDIC · 1 branch
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 under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
75
Profitability
59
Liquidity
0
Efficiency
10
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.
Austin, TX · Cert 58082 · Greenback Fincorp Inc.
SI · FDIC · 1 branch
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #30 of 73 inst. · $0.3B 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 | -0.26% | 0.07% | 0.49% | 0.78% | 0.88% | 1.03% | 0.76% | 0.95% | +16 bps | |
| Return on Equity | -2.73% | 0.77% | 6.09% | 9.84% | 10.97% | 12.52% | 8.03% | 9.55% | -29 bps | |
| Net Interest Margin | 6.05% | 5.58% | 6.34% | 6.17% | 6.15% | 6.44% | 6.47% | 6.71% | +54 bps | |
| Efficiency Ratio | 101.54% | 105.50% | 91.78% | 89.00% | 87.01% | 86.84% | 87.67% | 86.02% | -298 bps | |
| Non-Interest Burden | 6.16% | 5.91% | 5.72% | 5.35% | 5.17% | 5.40% | 5.49% | 5.49% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.65% | 59.04% | 48.97% | 36.75% | 16.16% | 2.23% | -8.62% | -21.50% | -5,825 bps | |
| Loan Growth (YoY) | 51.71% | 66.87% | 53.59% | 40.13% | 18.49% | 3.57% | -5.76% | -22.52% | -6,265 bps | |
| Deposit Growth (YoY) | 45.10% | 48.99% | 43.30% | 38.53% | 15.04% | 2.01% | -10.66% | -28.43% | -6,696 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.13% | 0.60% | 0.11% | 0.19% | 0.15% | 0.08% | 0.30% | +19 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 0.42% | 0.40% | 0.39% | 0.36% | 0.37% | 0.39% | 0.42% | 0.47% | +11 bps | |
| Allowance Coverage of NPLs | 4.4x | 3.0x | 0.7x | 3.3x | 2.0x | 2.5x | 5.2x | 1.6x | -1.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 8.23% | 8.04% | 7.76% | 7.75% | 8.62% | 9.27% | 10.22% | +246 bps | |
| Total Risk-Based Capital | 38.73% | 33.21% | 32.66% | 33.86% | 37.80% | 37.74% | 39.62% | 40.29% | +643 bps | |
| Equity / Assets | 8.65% | 8.05% | 8.15% | 7.70% | 8.30% | 8.95% | 10.06% | 10.94% | +324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.66% | 108.02% | 107.10% | 102.20% | 108.82% | 109.67% | 112.96% | 110.64% | +844 bps | |
| Liquid Assets / Assets | 8.27% | 7.72% | 6.51% | 7.04% | 6.56% | 6.53% | 3.62% | 6.62% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 1.01% | 0.93% | 0.90% | n/a | n/a | |
Austin, TX · Cert 58082 · Peer group: banks under $1B in assets in TX (n=208-211) · Greenback Fincorp Inc.
SI · FDIC · 1 branch
Q2 2026
Return on Assets
1.03%
Rank 129 of 211
Net Interest Margin
6.71%
Rank 1 of 211
Efficiency Ratio
86.02%
Rank 191 of 211
Equity / Assets
10.94%
Rank 111 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.87% | 1.20% | 1.65% | Beats 39% | 129 / 211 | ||
| Return on Equity | 9.40% | 7.52% | 11.67% | 14.58% | Beats 38% | 130 / 211 | ||
| Net Interest Margin | 6.71% | 3.28% | 3.82% | 4.31% | Beats 100% | 1 / 211 | ||
| Efficiency Ratio | 86.02% | 53.01% | 64.18% | 73.65% | Beats 10% | 191 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.01% | 0.30% | 1.10% | Beats 50% | 106 / 208 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 39.04% | 11.72% | 14.45% | 19.57% | Beats 93% | 14 / 211 | ||
| Total Risk-Based Capital Ratio | 40.29% | 11.94% | 14.78% | 20.30% | Beats 94% | 13 / 211 | ||
| Equity / Assets | 10.94% | 9.41% | 11.06% | 12.94% | Beats 47% | 111 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.64% | 45.39% | 66.56% | 82.03% | 100th pctl | 1 / 208 | ||
| Loans / Assets | 86.29% | 39.13% | 56.90% | 70.46% | 99th pctl | 3 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||