| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.3% | +4.9% | +23.4 pts |
| Deposit growth (YoY) | +30.2% | +4.3% | +25.9 pts |
| Loan growth (YoY) | +17.8% | +5.3% | +12.5 pts |
| ROA | 2.21% | 1.28% | +0.9 pts |
| ROE | 23.6% | 12.4% | +11.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $543.0M | $489.7M | $384.4M | $49.1M | $5.7M | 2.21% | 5.11% | 0.26% |
| Q1 2026 | $510.7M | $459.5M | $362.2M | $47.1M | $3.2M | 2.60% | 5.05% | 0.17% |
| Q4 2025 | $478.2M | $426.4M | $360.5M | $47.5M | $9.2M | 2.12% | 5.15% | 0.13% |
| Q3 2025 | $442.7M | $392.3M | $344.3M | $45.2M | $6.9M | 2.18% | 5.09% | 0.33% |
| Q2 2025 | $423.1M | $376.1M | $326.3M | $42.1M | $4.5M | 2.17% | 5.07% | 0.21% |
| Q1 2025 | $417.6M | $373.1M | $320.1M | $39.7M | $1.8M | 1.72% | 4.91% | 0.41% |
| Q4 2024 | $403.8M | $358.9M | $312.7M | $40.9M | $7.6M | 2.00% | 4.92% | 0.38% |
| Q3 2024 | $389.6M | $344.9M | $308.7M | $39.4M | $5.5M | 1.97% | 4.87% | 0.19% |
Loan mix (Q2 2026): real estate $266.3M · commercial $84.9M · consumer $3.6M · securities $98.9M
| Ratio | Austin County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 23.6% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 61.2% | 18th |
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 County State 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 | Austin County State 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 | Austin County State 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 | Austin County State 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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