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Austin Capital Bank SSB

Austin, TX · Cert 58082 · Greenback Fincorp Inc.

SI · FDIC · 1 branch

Q2 2026

$395.4MAssets
$341.2MLoans
$308.4MDeposits
$43.3MEquity
Loan mix
40%RE $150.8M4%C&I $14.9M56%Consumer $214.1MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $288.5M6%Noninterest $19.9MQ2 2025Q2 2026

NIM

8.03%Q2 ’247.63%Q2 ’257.28%Q2 ’26-9%+0%

Non-interest income vs. expense

8.10%Q2 ’246.60%Q2 ’257.32%Q2 ’26-19%-6%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.4% share · #30 of 73 inst. · $0.3B of $70.4B

Executive Summary

  • Earnings: ROA of 1.16%, up 9 bps year over year; NIM at 6.43%.
  • Asset quality: problem loans at 0.30% of loans (+19 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.22%, up 246 bps from a year ago.
  • Funding: loans stand at 110.64% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.16%+9 bps YoY

Net Interest Margin (quarter, annualized)

6.43%+1 bps YoY

Efficiency Ratio (quarter, annualized)

84.41%-208 bps YoY

Tier 1 Leverage Ratio

10.22%+246 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.05%1.46%0.76%1.16%+9 bps
Return on Equity13.52%13.16%16.89%8.03%11.06%-246 bps
Net Interest Margin6.42%6.44%6.44%6.47%6.43%+1 bps
Efficiency Ratio86.49%83.48%86.34%87.67%84.41%-208 bps
Non-Interest Burden5.37%5.10%5.33%5.49%5.06%-31 bps
Growth
Asset Growth (YoY)36.75%16.16%2.23%-8.62%-21.50%-5,825 bps
Loan Growth (YoY)40.13%18.49%3.57%-5.76%-22.52%-6,265 bps
Deposit Growth (YoY)38.53%15.04%2.01%-10.66%-28.43%-6,696 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.19%0.15%0.08%0.30%+19 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%-0.01%-0.01%0 bps
Allowance / Loans0.36%0.37%0.39%0.42%0.47%+11 bps
Allowance Coverage of NPLs3.3x2.0x2.5x5.2x1.6x-1.8x
Capital
Tier 1 Leverage Ratio7.76%7.75%8.62%9.27%10.22%+246 bps
Total Risk-Based Capital33.86%37.80%37.74%39.62%40.29%+643 bps
Equity / Assets7.70%8.30%8.95%10.06%10.94%+324 bps
Liquidity & Funding
Loans / Deposits102.20%108.82%109.67%112.96%110.64%+844 bps
Liquid Assets / Assets7.04%6.56%6.53%3.62%6.62%-42 bps
CRE / Total Capitaln/a1.01%0.93%0.90%n/an/a