| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.7 pts |
| Deposit growth (YoY) | -0.6% | +5.1% | -5.6 pts |
| Loan growth (YoY) | -0.1% | +5.9% | -6.0 pts |
| ROA | 2.13% | 1.26% | +0.9 pts |
| ROE | 15.5% | 12.2% | +3.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.89B | $2.44B | $2.39B | $410.9M | $30.7M | 2.13% | 4.55% | 0.72% |
| Q1 2026 | $2.86B | $2.43B | $2.35B | $397.7M | $17.3M | 2.40% | 4.95% | 0.65% |
| Q4 2025 | $2.88B | $2.46B | $2.38B | $381.0M | $45.5M | 1.60% | 4.09% | 1.31% |
| Q3 2025 | $2.89B | $2.46B | $2.35B | $385.7M | $39.8M | 1.88% | 4.07% | 1.31% |
| Q2 2025 | $2.86B | $2.45B | $2.39B | $371.0M | $26.0M | 1.85% | 4.01% | 1.39% |
| Q1 2025 | $2.81B | $2.41B | $2.39B | $357.2M | $12.4M | 1.79% | 3.93% | 1.14% |
| Q4 2024 | $2.74B | $2.35B | $2.38B | $343.6M | $34.8M | 1.29% | 3.73% | 1.04% |
| Q3 2024 | $2.79B | $2.39B | $2.34B | $350.2M | $28.9M | 1.44% | 3.66% | 1.09% |
Loan mix (Q2 2026): real estate $2.22B · commercial $189.3M · consumer $3.8M · securities $93.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.26% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 59.0% | 6th |
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.
20 branches in 8 counties across 3 states (+0 vs 2024) · $2.45B branch deposits. Biggest market: Harris, TX, ranked 27th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 4 | $908.3M | 0.31% | 27th |
| Los Angeles, CA | 3 | $419.3M | 0.08% | 78th |
| Dallas, TX | 4 | $327.2M | 0.12% | 56th |
| 5 more counties with Pro → | ||||
Texas: 87th with 0.11% · California: 203rd with 0.02% · Nevada: 33rd with 0.23% · Houston-Pasadena-The Woodlands metro: 28th, 0.33% · Dallas-Fort Worth-Arlington metro: 76th, 0.08% ·
Branch count: 2022 20 · 2023 20 · 2024 20 · 2025 20