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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.20% | 0.53% | 0.90% | 0.60% | 0.65% | 0.63% | 0.82% | -8 bps | |
| Return on Equity | 2.07% | -2.23% | 5.82% | 9.79% | 6.44% | 7.07% | 6.83% | 8.88% | -91 bps | |
| Net Interest Margin | 3.23% | 3.38% | 3.39% | 3.50% | 3.58% | 3.59% | 3.81% | 3.94% | +45 bps | |
| Efficiency Ratio | 94.90% | 92.67% | 83.00% | 73.22% | 77.71% | 69.56% | 76.88% | 73.38% | +16 bps | |
| Non-Interest Burden | 3.05% | 3.10% | 2.77% | 2.34% | 2.72% | 2.29% | 2.93% | 2.81% | +48 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 | 0.06% | 0.72% | 0.01% | 0.05% | 0.06% | 0.92% | 0.07% | 0.00% | -5 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 | |