| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.0% | +2.7 pts |
| Deposit growth (YoY) | +5.1% | +2.5% | +2.6 pts |
| Loan growth (YoY) | +24.3% | +2.6% | +21.7 pts |
| ROA | 1.01% | 0.99% | +0.0 pts |
| ROE | 9.1% | 8.1% | +1.0 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.9M | $76.7M | $46.2M | $9.8M | $435K | 1.01% | 4.71% | 0.08% |
| Q1 2026 | $84.8M | $74.8M | $44.7M | $9.6M | $208K | 0.97% | 4.68% | 0.10% |
| Q4 2025 | $85.9M | $76.2M | $45.1M | $9.3M | $917K | 1.10% | 4.86% | 0.10% |
| Q3 2025 | $89.4M | $79.9M | $39.1M | $9.1M | $667K | 1.07% | 4.85% | 0.11% |
| Q2 2025 | $82.2M | $72.9M | $37.2M | $8.8M | $433K | 1.07% | 4.95% | 0.13% |
| Q1 2025 | $80.8M | $71.9M | $37.3M | $8.5M | $208K | 1.03% | 4.96% | 0.15% |
| Q4 2024 | $80.0M | $71.4M | $36.3M | $8.3M | $981K | 1.26% | 5.32% | 0.02% |
| Q3 2024 | $81.0M | $72.7M | $37.1M | $8.0M | $721K | 1.24% | 5.30% | 0.69% |
Loan mix (Q2 2026): real estate $34.0M · commercial $7.5M · consumer $5.4M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.99% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 8.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 70.8% | 56th |
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.
1 branches in 1 county across 1 state (+0 vs 2024) · $72.9M branch deposits. Biggest market: Angelina, TX, ranked 7th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Angelina, TX | 1 | $72.9M | 3.57% | 7th |
Texas: 563rd with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1