| Metric | Big Bend Banks, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 11.5% | 11.9% | -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 | $165.4M | $140.9M | $21.1M | $24.3M | $1.4M | 1.62% | 3.72% | 0.00% |
| Q1 2026 | $166.1M | $143.0M | $20.9M | $23.0M | $669K | 1.59% | 3.67% | 0.00% |
| Q4 2025 | $169.4M | $145.9M | $20.7M | $23.4M | $2.5M | 1.56% | 3.63% | 0.00% |
| Q3 2025 | $163.0M | $140.3M | $20.1M | $22.4M | $1.8M | 1.46% | 3.60% | 0.00% |
| Q2 2025 | $161.8M | $141.8M | $19.5M | $19.8M | $1.1M | 1.42% | 3.54% | 0.03% |
| Q1 2025 | $156.5M | $136.9M | $20.0M | $19.4M | $521K | 1.33% | 3.50% | 0.00% |
| Q4 2024 | $156.3M | $137.7M | $20.5M | $18.5M | $2.7M | 1.72% | 3.60% | 0.00% |
| Q3 2024 | $156.1M | $136.0M | $21.9M | $19.8M | $2.1M | 1.80% | 3.61% | 0.00% |
Loan mix (Q2 2026): real estate $15.1M · commercial $2.2M · consumer $4.1M · securities $119.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Big Bend Banks, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 54th |
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 | Big Bend Banks, N.A. | 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 | Big Bend Banks, N.A. | 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 | Big Bend Banks, N.A. | 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 | Big Bend Banks, N.A. | 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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