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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.85% | 0.49% | 1.07% | 1.05% | 1.46% | 0.76% | 1.16% | +9 bps | |
| Return on Equity | 4.66% | 10.23% | 6.09% | 13.52% | 13.16% | 16.89% | 8.03% | 11.06% | -246 bps | |
| Net Interest Margin | 6.79% | 6.26% | 6.34% | 6.42% | 6.44% | 6.44% | 6.47% | 6.43% | +1 bps | |
| Efficiency Ratio | 93.30% | 117.65% | 91.78% | 86.49% | 83.48% | 86.34% | 87.67% | 84.41% | -208 bps | |
| Non-Interest Burden | 6.26% | 7.35% | 5.72% | 5.37% | 5.10% | 5.33% | 5.49% | 5.06% | -31 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 | -0.08% | -0.02% | 0.00% | -0.01% | -0.01% | 0.00% | -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 | |