Austin County State Bank

Bellville, TX · Cert 58484 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Austin County Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$543.0MAssets

$391.5MLoans

$489.7MDeposits

$49.1MEquity

Executive Summary

Strongest standing: return on assets outperforms 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 1 of 21).
Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 20 of 21).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.08%

Rank 1 of 21

Net Interest Margin

4.71%

Rank 4 of 21

Efficiency Ratio

49.50%

Rank 2 of 21

Equity / Assets

9.04%

Rank 17 of 21

Non-interest income vs. expense

Unfavorable gap of $11.4M · efficiency ratio beats 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	2.08%	0.77%	1.16%	1.46%	Beats 95%	1 / 21
Return on Equity	23.03%	6.66%	8.42%	15.66%	Beats 95%	1 / 21
Net Interest Margin	4.71%	3.50%	3.97%	4.41%	Beats 81%	4 / 21
Efficiency Ratio	49.50%	59.33%	68.18%	79.00%	Beats 95%	2 / 21
Asset Quality
Nonperforming Loans / Loans	0.37%	0.01%	0.37%	1.25%	Beats 52%	11 / 21
Net Charge-Offs / Loans	0.01%	n/a	0.01%	0.05%	Beats 48%	12 / 21
Capital
Tier 1 Capital Ratio	9.55%	12.65%	15.76%	18.38%	Beats 5%	20 / 21
Total Risk-Based Capital Ratio	9.55%	12.65%	16.68%	19.63%	Beats 5%	20 / 21
Equity / Assets	9.04%	9.08%	11.30%	15.80%	Beats 19%	17 / 21
Liquidity & Funding
Loans / Deposits	79.94%	64.96%	78.30%	90.30%	57th pctl	9 / 21
Loans / Assets	72.10%	55.83%	65.86%	74.20%	67th pctl	7 / 21
Brokered Deposits / Deposits	n/a	Not reported for this institution