PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cabot Community

Pampa, TX · Charter 67581

NCUA · 2 branches

Q2 2026

$45.3MAssets
$25.1MLoans
$37.8MShares
$7.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.43%, up 5 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 1.16% of loans (+29 bps YoY).
  • Capital: net worth / assets of 15.95%, up 56 bps from a year ago.
  • Funding: loans stand at 66.49% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.43%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-24 bps YoY

Efficiency Ratio (YTD, annualized)

66.58%+381 bps YoY

Net Worth / Assets

15.95%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%2.52%1.05%1.38%1.62%1.75%2.29%1.43%+5 bps
Return on Equity15.89%16.03%6.97%8.98%10.04%10.68%13.84%8.98%0 bps
Net Interest Margin4.64%4.50%4.24%4.21%4.27%4.22%4.64%3.97%-24 bps
Efficiency Ratio56.16%55.27%64.23%62.76%62.37%61.14%59.20%66.58%+381 bps
Growth
Asset Growth (YoY)-3.89%-0.93%3.75%7.50%8.35%5.43%2.04%6.50%-100 bps
Loan Growth (YoY)-1.68%-5.58%-8.86%-12.02%-9.96%-10.54%-11.73%-9.67%+235 bps
Share Growth (YoY)-6.98%-4.58%2.34%6.64%7.54%5.00%0.39%5.69%-95 bps
Asset Quality
Delinquent Loans / Loans1.09%1.04%0.88%0.87%0.72%0.78%0.79%1.16%+29 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 Capital15.70%15.70%15.01%15.39%16.16%16.43%16.54%15.95%+56 bps
Net Worth / Assets15.70%15.70%15.01%15.39%16.16%16.43%16.54%15.95%+56 bps
Liquidity & Funding
Loans / Shares95.12%89.55%80.15%77.80%79.64%76.29%70.48%66.49%-1,131 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps