Bellville, TX · Cert 58484 · Austin County Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.1% share · #54 of 107 inst. · $0.4B of $360.4B
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 | 1.55% | 1.58% | 1.35% | 1.70% | 1.71% | 1.67% | 2.60% | 2.21% | +51 bps | |
| Return on Equity | 15.74% | 15.97% | 13.75% | 17.28% | 17.21% | 16.80% | 27.16% | 23.61% | +633 bps | |
| Net Interest Margin | 4.52% | 4.50% | 4.76% | 4.74% | 4.75% | 4.50% | 4.77% | 4.71% | -3 bps | |
| Efficiency Ratio | 55.90% | 55.41% | 52.29% | 48.07% | 49.24% | 52.12% | 49.94% | 49.50% | +143 bps | |
| Non-Interest Burden | 2.37% | 2.34% | 2.33% | 2.10% | 2.17% | 2.20% | 2.22% | 2.17% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.02% | 17.04% | 10.85% | 10.23% | 13.73% | 18.41% | 22.29% | 28.21% | +1,798 bps | |
| Loan Growth (YoY) | 8.43% | 12.26% | 13.11% | 9.40% | 11.49% | 15.03% | 13.16% | 17.85% | +845 bps | |
| Deposit Growth (YoY) | 7.16% | 17.79% | 10.65% | 9.80% | 13.75% | 18.81% | 23.15% | 30.19% | +2,039 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.48% | 0.53% | 0.27% | 0.41% | 0.17% | 0.24% | 0.37% | +9 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.11% | 0.00% | 0.27% | 0.17% | 0.26% | 0.00% | -0.03% | -30 bps | |
| Allowance / Loans | 1.82% | 1.81% | 1.74% | 1.66% | 1.68% | 1.62% | 1.75% | 1.79% | +13 bps | |
| Allowance Coverage of NPLs | 7.8x | 3.8x | 3.3x | 6.1x | 4.1x | 9.2x | 7.3x | 4.9x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.72% | 10.13% | 10.27% | 10.62% | 10.18% | 9.61% | 9.55% | -72 bps | |
| Total Risk-Based Capital | 10.51% | 10.72% | 10.13% | 10.27% | 10.62% | 10.18% | 9.61% | 9.55% | -72 bps | |
| Equity / Assets | 10.12% | 10.13% | 9.51% | 9.95% | 10.21% | 9.93% | 9.21% | 9.04% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.18% | 88.74% | 87.31% | 88.31% | 89.37% | 85.91% | 80.23% | 79.94% | -837 bps | |
| Liquid Assets / Assets | 6.87% | 9.57% | 10.81% | 8.19% | 7.35% | 5.94% | 7.79% | 5.99% | -220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 245% | 246% | 250% | n/a | n/a | |