Kerrville, TX · Cert 58768 · Relationship Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 1.86% | 1.39% | 1.53% | 1.04% | -107 bps | |
| Return on Equity | 21.45% | 18.56% | 13.84% | 15.28% | 10.52% | -1,093 bps | |
| Net Interest Margin | 4.93% | 5.02% | 4.83% | 4.93% | 5.10% | +17 bps | |
| Efficiency Ratio | 51.07% | 55.75% | 62.14% | 63.34% | 69.98% | +1,891 bps | |
| Non-Interest Burden | 2.24% | 2.60% | 2.83% | 2.99% | 3.46% | +121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.82% | -3.97% | 3.99% | 4.62% | 10.47% | +1,629 bps | |
| Loan Growth (YoY) | -5.54% | -7.18% | -5.58% | 3.73% | 10.97% | +1,651 bps | |
| Deposit Growth (YoY) | -4.02% | -3.09% | 5.95% | 6.67% | 13.21% | +1,723 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.01% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.09% | 1.15% | 1.16% | 1.10% | 1.09% | +1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2043.0x | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.97% | 10.07% | 10.02% | 10.21% | 9.93% | -3 bps | |
| Total Risk-Based Capital | 14.95% | 15.37% | 15.09% | 14.65% | 13.94% | -101 bps | |
| Equity / Assets | 9.99% | 10.06% | 10.01% | 9.99% | 9.73% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.45% | 82.53% | 80.92% | 81.80% | 86.70% | -175 bps | |
| Liquid Assets / Assets | 17.48% | 21.59% | 14.68% | 14.83% | 12.90% | -458 bps | |
| CRE / Total Capital | n/a | 351% | 351% | 358% | n/a | n/a | |