| Metric | Atascosa Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +3.0% | -10.0 pts |
| Deposit growth (YoY) | -9.0% | +2.5% | -11.5 pts |
| Loan growth (YoY) | -11.0% | +2.6% | -13.6 pts |
| ROA | 0.60% | 0.99% | -0.4 pts |
| ROE | 5.1% | 8.1% | -3.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.7M | $71.5M | $20.4M | $10.0M | $255K | 0.60% | 2.92% | 1.01% |
| Q1 2026 | $84.9M | $74.7M | $20.9M | $9.9M | $71K | 0.33% | 2.89% | 1.08% |
| Q4 2025 | $88.6M | $78.5M | $21.6M | $10.0M | $296K | 0.34% | 3.23% | 1.08% |
| Q3 2025 | $88.3M | $77.9M | $21.7M | $10.2M | $739K | 1.13% | 3.21% | 0.56% |
| Q2 2025 | $87.9M | $78.6M | $23.0M | $9.0M | $502K | 1.15% | 3.13% | 1.35% |
| Q1 2025 | $86.7M | $77.7M | $19.9M | $8.9M | $230K | 1.06% | 3.04% | 0.00% |
| Q4 2024 | $87.2M | $79.2M | $18.9M | $7.9M | $935K | 1.08% | 3.15% | 0.00% |
| Q3 2024 | $87.1M | $77.9M | $19.0M | $9.0M | $802K | 1.23% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $11.5M · commercial $5.7M · consumer $1.6M · securities $45.0M
| Ratio | Atascosa Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.99% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 70.8% | 61th |
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 | Atascosa Bank | 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 | Atascosa Bank | 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 | Atascosa Bank | 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 | Atascosa Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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