| Metric | Broadstreet Bank S S B | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +4.4% | -4.4 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $442.8M | $343.4M | $314.1M | $49.8M | $2.0M | 0.94% | 3.64% | 2.37% |
| Q1 2026 | $429.0M | $336.4M | $298.5M | $48.3M | $945K | 0.88% | 3.55% | 2.58% |
| Q4 2025 | $428.5M | $331.6M | $303.2M | $48.7M | $3.1M | 0.70% | 3.32% | 2.63% |
| Q3 2025 | $438.3M | $338.8M | $284.9M | $47.5M | $2.2M | 0.68% | 3.23% | 2.62% |
| Q2 2025 | $443.0M | $345.2M | $294.0M | $45.6M | $1.5M | 0.66% | 3.19% | 2.50% |
| Q1 2025 | $441.2M | $344.7M | $297.5M | $44.6M | $718K | 0.65% | 3.27% | 0.56% |
| Q4 2024 | $442.4M | $343.6M | $293.7M | $43.3M | $-972K | -0.22% | 3.04% | 0.59% |
| Q3 2024 | $445.1M | $334.8M | $293.0M | $43.2M | $-1.6M | -0.47% | 3.00% | 0.57% |
Loan mix (Q2 2026): real estate $288.6M · commercial $9.8M · consumer $2.9M · securities $75.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Broadstreet Bank S S B | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 62.9% | 70th |
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 | Broadstreet Bank S S B | 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 | Broadstreet Bank S S B | 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 | Broadstreet Bank S S B | 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 | Broadstreet Bank S S B | 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 | Broadstreet Bank S S B | 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.
7 branches in 3 counties across 1 state (+0 vs 2024) · $345.2M branch deposits. Biggest market: Wood, TX, ranked 3rd with 18.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wood, TX | 3 | $222.2M | 18.93% | 3rd |
| Van Zandt, TX | 2 | $92.7M | 8.44% | 6th |
| Smith, TX | 2 | $30.3M | 0.29% | 25th |
Texas: 283rd with 0.02% · Tyler metro: 25th, 0.29% ·
Branch count: 2022 6 · 2023 6 · 2024 7 · 2025 7