PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Anderson County

Palestine, TX · Charter 9880

NCUA · 1 branch

Q2 2026

$27.3MAssets
$9.1MLoans
$22.6MShares
$4.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.73%, down 4 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 2.32% of loans (+147 bps YoY).
  • Capital: net worth / assets of 17.24%, up 44 bps from a year ago.
  • Funding: loans stand at 40.16% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.73%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.91%-45 bps YoY

Efficiency Ratio (YTD, annualized)

59.35%+409 bps YoY

Net Worth / Assets

17.24%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.99%1.67%1.77%1.30%1.70%1.94%1.73%-4 bps
Return on Equity11.00%12.20%10.27%10.55%7.61%10.14%11.55%10.06%-49 bps
Net Interest Margin4.52%4.48%4.39%4.36%4.29%4.08%3.88%3.91%-45 bps
Efficiency Ratio51.04%50.88%55.74%55.26%64.82%56.23%56.56%59.35%+409 bps
Growth
Asset Growth (YoY)3.36%4.12%4.93%3.48%5.71%8.51%8.13%8.05%+458 bps
Loan Growth (YoY)-2.66%5.41%11.59%5.60%13.66%7.32%5.51%11.50%+590 bps
Share Growth (YoY)1.49%2.57%2.92%1.79%4.38%7.53%7.93%7.68%+589 bps
Asset Quality
Delinquent Loans / Loans1.22%1.01%1.80%0.85%0.75%1.10%2.25%2.32%+147 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 Capital16.05%16.33%16.30%16.80%17.03%16.73%16.81%17.24%+44 bps
Net Worth / Assets16.05%16.33%16.30%16.80%17.03%16.73%16.81%17.24%+44 bps
Liquidity & Funding
Loans / Shares36.85%37.93%39.10%38.79%40.13%37.86%38.22%40.16%+137 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps