| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.9% | -3.0 pts |
| Deposit growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -1.9 pts |
| ROA | 1.63% | 1.28% | +0.4 pts |
| ROE | 15.9% | 12.4% | +3.4 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $625.2M | $557.1M | $480.7M | $65.9M | $5.1M | 1.63% | 4.14% | 0.01% |
| Q1 2026 | $628.1M | $561.5M | $477.6M | $64.8M | $2.6M | 1.63% | 4.08% | 0.03% |
| Q4 2025 | $625.2M | $560.1M | $469.1M | $62.8M | $8.5M | 1.39% | 3.76% | 0.04% |
| Q3 2025 | $634.7M | $569.7M | $473.6M | $62.7M | $6.0M | 1.30% | 3.64% | 0.28% |
| Q2 2025 | $613.3M | $550.4M | $464.7M | $60.7M | $3.3M | 1.09% | 3.60% | 0.30% |
| Q1 2025 | $602.9M | $541.3M | $456.2M | $59.8M | $1.6M | 1.03% | 3.54% | 0.41% |
| Q4 2024 | $599.7M | $539.2M | $468.3M | $57.9M | $5.5M | 0.91% | 3.32% | 0.44% |
| Q3 2024 | $596.4M | $535.3M | $459.9M | $58.6M | $3.7M | 0.81% | 3.23% | 0.50% |
Loan mix (Q2 2026): real estate $422.0M · commercial $51.5M · consumer $3.6M · securities $38.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.28% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 61.2% | 46th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2024) · $550.4M branch deposits. Biggest market: McLennan, TX, ranked 7th with 6.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLennan, TX | 4 | $550.4M | 6.42% | 7th |
Texas: 221st with 0.03% · Waco metro: 7th, 6.02% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4