| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.5% | +4.4% | -25.9 pts |
| Deposit growth (YoY) | -28.4% | +4.0% | -32.4 pts |
| Loan growth (YoY) | -22.6% | +5.6% | -28.2 pts |
| ROA | 0.95% | 1.24% | -0.3 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.4M | $308.4M | $339.6M | $43.3M | $2.0M | 0.95% | 6.79% | 0.32% |
| Q1 2026 | $422.4M | $336.3M | $378.3M | $42.5M | $848K | 0.76% | 6.79% | 0.07% |
| Q4 2025 | $469.2M | $373.4M | $407.9M | $42.0M | $4.9M | 1.03% | 6.67% | 0.13% |
| Q3 2025 | $485.4M | $391.2M | $424.2M | $40.3M | $3.2M | 0.88% | 6.64% | 0.16% |
| Q2 2025 | $503.8M | $430.9M | $438.8M | $38.8M | $1.9M | 0.78% | 6.51% | 0.09% |
| Q1 2025 | $462.2M | $376.5M | $401.6M | $37.7M | $568K | 0.49% | 6.45% | 0.52% |
| Q4 2024 | $459.0M | $366.0M | $393.8M | $36.9M | $259K | 0.07% | 6.82% | 0.11% |
| Q3 2024 | $417.9M | $340.1M | $357.8M | $36.2M | $-676K | -0.26% | 6.97% | 0.08% |
Loan mix (Q2 2026): real estate $146.2M · commercial $13.4M · consumer $179.0M · securities $6.2M
| Ratio | Austin Capital Bank SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 62.9% | 91th |
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 | Austin Capital Bank SSB | 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 | Austin Capital Bank SSB | 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 | Austin Capital Bank SSB | 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 | Austin Capital Bank SSB | 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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