PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Brazos Valley Schools

Katy, TX · Charter 66353

NCUA · 13 branches

Q2 2026

$1.0BAssets
$432.9MLoans
$928.9MShares
$111.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.10%, down 8 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.32% of loans (+38 bps YoY).
  • Capital: net worth / assets of 10.63%, up 43 bps from a year ago.
  • Funding: loans stand at 46.60% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.10%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+22 bps YoY

Efficiency Ratio (YTD, annualized)

66.66%-124 bps YoY

Net Worth / Assets

10.63%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.27%1.43%1.18%1.11%1.09%1.00%1.10%-8 bps
Return on Equity1.49%2.75%14.45%11.56%10.67%10.49%9.58%10.35%-121 bps
Net Interest Margin2.73%2.74%2.94%3.08%3.14%3.15%3.22%3.30%+22 bps
Efficiency Ratio78.80%76.55%64.95%67.90%65.79%65.95%65.17%66.66%-124 bps
Growth
Asset Growth (YoY)-0.09%1.91%3.78%3.05%3.74%4.51%4.19%5.74%+269 bps
Loan Growth (YoY)-0.48%-1.44%-1.48%-0.65%-0.19%-0.99%-1.32%-0.92%-26 bps
Share Growth (YoY)-0.16%1.46%2.84%2.62%2.95%3.71%3.55%5.22%+260 bps
Asset Quality
Delinquent Loans / Loans0.78%0.94%0.47%0.94%1.08%1.10%0.77%1.32%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.86%9.77%9.92%10.21%10.41%10.36%10.42%10.63%+43 bps
Net Worth / Assets9.86%9.77%9.92%10.21%10.41%10.36%10.42%10.63%+43 bps
Liquidity & Funding
Loans / Shares51.26%50.51%48.54%49.49%49.70%48.22%46.26%46.60%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps