| Metric | Bridge City State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.2 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 13.4% | 11.9% | +1.6 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 | $246.8M | $199.7M | $133.4M | $21.6M | $1.4M | 1.09% | 3.62% | 0.04% |
| Q1 2026 | $264.3M | $218.6M | $124.1M | $20.2M | $699K | 1.06% | 3.48% | 0.05% |
| Q4 2025 | $260.8M | $214.7M | $126.7M | $20.8M | $2.8M | 1.16% | 3.65% | 0.06% |
| Q3 2025 | $261.6M | $216.8M | $124.5M | $19.3M | $2.0M | 1.11% | 3.62% | 0.10% |
| Q2 2025 | $240.2M | $191.4M | $123.8M | $17.0M | $1.3M | 1.08% | 3.63% | 0.11% |
| Q1 2025 | $226.3M | $185.9M | $121.1M | $16.6M | $580K | 1.02% | 3.59% | 0.20% |
| Q4 2024 | $229.8M | $186.8M | $115.8M | $15.0M | $2.2M | 1.00% | 3.71% | 0.20% |
| Q3 2024 | $210.7M | $191.9M | $100.3M | $17.6M | $1.8M | 1.09% | 3.72% | 0.22% |
Loan mix (Q2 2026): real estate $113.8M · commercial $19.2M · consumer $1.6M · securities $84.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bridge City State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
32th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 59th |
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 | Bridge City 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 | Bridge City 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 | Bridge City 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 | Bridge City 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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