Round Rock, TX · Cert 58935 · R Corp. Financial
State charter, non-member · FDIC · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
38
Profitability
39
Liquidity
80
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Round Rock, TX · Cert 58935 · R Corp. Financial
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 1.0% share · #15 of 73 inst. · $0.7B of $70.4B
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 | -0.01% | -0.06% | 0.53% | 0.72% | 0.68% | 0.67% | 0.63% | 0.72% | 0 bps | |
| Return on Equity | -0.15% | -0.67% | 5.82% | 7.83% | 7.35% | 7.29% | 6.83% | 7.89% | +6 bps | |
| Net Interest Margin | 3.23% | 3.33% | 3.39% | 3.46% | 3.43% | 3.39% | 3.81% | 3.92% | +46 bps | |
| Efficiency Ratio | 97.06% | 95.94% | 83.00% | 77.69% | 77.69% | 75.45% | 76.88% | 75.05% | -264 bps | |
| Non-Interest Burden | 3.12% | 3.17% | 2.77% | 2.57% | 2.57% | 2.44% | 2.93% | 2.91% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | -3.97% | -3.97% | -4.27% | 2.45% | 10.79% | 3.94% | 3.30% | +757 bps | |
| Loan Growth (YoY) | -1.52% | -6.66% | -7.08% | -6.49% | -6.55% | -3.19% | -4.52% | -3.64% | +285 bps | |
| Deposit Growth (YoY) | 3.23% | -0.99% | 0.28% | -1.03% | 4.57% | 11.57% | 3.86% | 3.85% | +489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.92% | 2.05% | 2.10% | 2.07% | 2.04% | 2.01% | 1.58% | 1.55% | -52 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.40% | 0.01% | 0.03% | 0.04% | 0.26% | 0.07% | 0.04% | +1 bps | |
| Allowance / Loans | 1.10% | 1.12% | 1.14% | 1.12% | 1.14% | 1.05% | 1.08% | 1.09% | -4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.5x | 0.5x | 0.6x | 0.5x | 0.7x | 0.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 9.00% | 9.16% | 9.41% | 9.28% | 9.09% | 9.32% | 9.01% | -40 bps | |
| Total Risk-Based Capital | 12.60% | 12.76% | 13.12% | 13.03% | 13.64% | 13.36% | 14.15% | 13.17% | +13 bps | |
| Equity / Assets | 9.05% | 9.29% | 9.08% | 9.31% | 9.18% | 9.11% | 9.41% | 9.00% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.54% | 95.01% | 88.75% | 89.66% | 82.70% | 82.44% | 81.59% | 83.20% | -647 bps | |
| Liquid Assets / Assets | 10.84% | 7.50% | 13.14% | 11.60% | 18.09% | 18.47% | 19.25% | 17.66% | +606 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 440% | 450% | 429% | n/a | n/a | |
Round Rock, TX · Cert 58935 · Peer group: banks $1B-$10B in assets (n=322-328) · R Corp. Financial
State charter, non-member · FDIC · 9 branches
Q2 2026
Return on Assets
0.73%
Rank 274 of 328
Net Interest Margin
3.92%
Rank 69 of 328
Efficiency Ratio
75.05%
Rank 291 of 328
Equity / Assets
9.00%
Rank 253 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.73% | 0.91% | 1.22% | 1.52% | Beats 16% | 274 / 328 | ||
| Return on Equity | 8.15% | 8.43% | 11.45% | 14.43% | Beats 22% | 257 / 328 | ||
| Net Interest Margin | 3.92% | 3.03% | 3.45% | 3.83% | Beats 79% | 69 / 328 | ||
| Efficiency Ratio | 75.05% | 51.61% | 59.56% | 67.53% | Beats 12% | 291 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.55% | 0.24% | 0.51% | 1.03% | Beats 14% | 277 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 61% | 127 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.04% | 11.75% | 13.15% | 15.47% | Beats 30% | 228 / 328 | ||
| Total Risk-Based Capital Ratio | 13.17% | 12.63% | 14.15% | 16.46% | Beats 34% | 218 / 328 | ||
| Equity / Assets | 9.00% | 9.15% | 10.33% | 12.01% | Beats 23% | 253 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.20% | 76.63% | 87.92% | 95.36% | 39th pctl | 197 / 323 | ||
| Loans / Assets | 74.63% | 65.18% | 74.15% | 79.98% | 52nd pctl | 159 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||