| Metric | Bank of South Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +9.0% | +4.0% | +5.0 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.8 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.5M | $141.1M | $124.4M | $31.7M | $939K | 1.10% | 6.98% | 0.16% |
| Q1 2026 | $170.6M | $137.8M | $116.3M | $31.2M | $362K | 0.86% | 6.81% | 0.12% |
| Q4 2025 | $167.7M | $135.5M | $114.7M | $30.9M | $2.7M | 1.66% | 7.48% | 0.26% |
| Q3 2025 | $160.9M | $129.1M | $109.4M | $30.3M | $2.1M | 1.74% | 7.54% | 0.35% |
| Q2 2025 | $160.9M | $129.5M | $109.8M | $30.0M | $1.4M | 1.72% | 7.39% | 0.18% |
| Q1 2025 | $159.1M | $128.5M | $106.1M | $29.2M | $635K | 1.59% | 7.13% | 0.19% |
| Q4 2024 | $160.8M | $131.3M | $98.2M | $28.4M | $2.5M | 1.50% | 6.89% | 0.19% |
| Q3 2024 | $163.9M | $134.1M | $98.3M | $28.1M | $1.9M | 1.52% | 6.94% | 0.84% |
Loan mix (Q2 2026): real estate $115.0M · commercial $9.1M · consumer $1.7M · securities $14.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of South Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.1% | 62.9% | 84th |
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 | Bank of South Texas | 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 | Bank of South Texas | 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 | Bank of South Texas | 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 | Bank of South Texas | 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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