Kerrville, TX · Cert 58768 · Relationship Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 2.04% | 1.87% | 2.14% | 2.14% | 2.04% | 1.87% | 1.53% | 1.28% | -86 bps | |
| Return on Equity | 23.33% | 21.06% | 22.45% | 22.02% | 20.85% | 19.06% | 15.28% | 12.91% | -911 bps | |
| Net Interest Margin | 4.44% | 4.65% | 4.87% | 4.88% | 4.89% | 4.82% | 4.93% | 4.94% | +6 bps | |
| Efficiency Ratio | 48.60% | 53.61% | 48.92% | 50.02% | 51.96% | 54.50% | 63.34% | 66.77% | +1,676 bps | |
| Non-Interest Burden | 1.88% | 2.25% | 2.13% | 2.18% | 2.30% | 2.41% | 2.99% | 3.18% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.47% | -7.61% | -3.90% | -5.82% | -3.97% | 3.99% | 4.62% | 10.47% | +1,629 bps | |
| Loan Growth (YoY) | 0.43% | -1.76% | -4.78% | -5.54% | -7.18% | -5.58% | 3.73% | 10.97% | +1,651 bps | |
| Deposit Growth (YoY) | -5.81% | -8.91% | -2.49% | -4.02% | -3.09% | 5.95% | 6.67% | 13.21% | +1,723 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.36% | 0.38% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.11% | 1.09% | 1.15% | 1.16% | 1.10% | 1.09% | +1 bps | |
| Allowance Coverage of NPLs | n/a | 3.0x | 3.0x | n/a | n/a | 2043.0x | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.70% | 9.08% | 9.94% | 9.97% | 10.07% | 10.02% | 10.21% | 9.93% | -3 bps | |
| Total Risk-Based Capital | 12.95% | 13.59% | 14.88% | 14.95% | 15.37% | 15.09% | 14.65% | 13.94% | -101 bps | |
| Equity / Assets | 8.81% | 9.44% | 9.65% | 9.99% | 10.06% | 10.01% | 9.99% | 9.73% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.18% | 90.81% | 84.12% | 88.45% | 82.53% | 80.92% | 81.80% | 86.70% | -175 bps | |
| Liquid Assets / Assets | 18.43% | 15.77% | 21.34% | 17.48% | 21.59% | 14.68% | 14.83% | 12.90% | -458 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 351% | 351% | 358% | n/a | n/a | |