College Station, TX · Cert 58309 · Adam Corp. Group the
State charter, non-member · FDIC · 28 branches
Q2 2026
Market Position · College Station-Bryan, TX · 2026 SOD (annual) · 7.3% share · #5 of 26 inst. · $0.7B of $9.1B
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 | 1.72% | 1.74% | 1.78% | 1.47% | 1.27% | -44 bps | |
| Return on Equity | 8.48% | 8.43% | 8.55% | 6.69% | 5.78% | -270 bps | |
| Net Interest Margin | 4.66% | 4.62% | 4.61% | 4.20% | 4.19% | -47 bps | |
| Efficiency Ratio | 51.51% | 51.64% | 50.76% | 58.49% | 58.61% | +710 bps | |
| Non-Interest Burden | 2.18% | 2.16% | 2.08% | 2.26% | 2.26% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.59% | 3.53% | -0.26% | 0.12% | 1.74% | -584 bps | |
| Loan Growth (YoY) | 3.42% | 2.41% | -4.88% | -6.50% | 0.10% | -332 bps | |
| Deposit Growth (YoY) | 6.22% | 1.47% | -3.15% | -1.67% | 0.53% | -570 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.29% | 1.75% | 2.27% | 3.85% | 3.52% | +222 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.26% | 0.23% | 0.12% | 0.11% | -28 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.16% | 1.14% | 1.17% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.6x | 0.5x | 0.3x | 0.3x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 17.88% | 18.48% | 18.78% | 18.94% | 19.24% | +136 bps | |
| Total Risk-Based Capital | 23.64% | 24.55% | 26.47% | 27.20% | 26.06% | +242 bps | |
| Equity / Assets | 20.93% | 21.65% | 21.96% | 22.01% | 22.15% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.75% | 92.26% | 87.64% | 85.77% | 91.36% | -39 bps | |
| Liquid Assets / Assets | 10.96% | 11.59% | 16.50% | 17.43% | 13.20% | +225 bps | |
| CRE / Total Capital | n/a | 244% | 227% | 220% | n/a | n/a | |