| Metric | Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +9.6% | +4.3% | +5.3 pts |
| Loan growth (YoY) | -2.2% | +5.3% | -7.5 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 12.9% | 12.5% | +0.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $543.6M | $451.2M | $385.5M | $70.2M | $4.4M | 1.65% | 3.62% | 0.35% |
| Q1 2026 | $543.1M | $438.2M | $397.6M | $68.1M | $2.4M | 1.78% | 3.80% | 0.36% |
| Q4 2025 | $526.0M | $420.2M | $401.3M | $68.8M | $11.1M | 2.08% | 4.13% | 0.07% |
| Q3 2025 | $540.3M | $435.7M | $391.8M | $66.2M | $8.5M | 2.13% | 4.22% | 0.09% |
| Q2 2025 | $523.5M | $411.5M | $394.1M | $63.1M | $5.4M | 2.02% | 4.11% | 1.03% |
| Q1 2025 | $550.6M | $449.1M | $419.1M | $60.3M | $2.7M | 1.97% | 4.01% | 0.98% |
| Q4 2024 | $525.5M | $427.1M | $448.5M | $57.7M | $13.9M | 2.61% | 4.84% | 1.03% |
| Q3 2024 | $535.8M | $437.7M | $428.5M | $54.6M | $10.8M | 2.68% | 4.94% | 0.12% |
Loan mix (Q2 2026): real estate $239.2M · commercial $147.5M · consumer $742K · securities $5.9M
| Ratio | Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.5% | 53rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.8% | 61.1% | 6th |
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 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 Texas | 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 | Bank of 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 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 Texas | 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.
3 branches in 3 counties across 1 state (+0 vs 2025) · $451.2M branch deposits. Biggest market: Midland, TX, ranked 9th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Midland, TX | 1 | $243.7M | 2.41% | 9th |
| El Paso, TX | 1 | $161.1M | 0.78% | 18th |
| Kent, TX | 1 | $46.5M | 100.00% | 1st |
Texas: 266th with 0.03% · Midland metro: 10th, 2.32% · El Paso metro: 18th, 0.78% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (12 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).