| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.9% | +2.9 pts |
| Deposit growth (YoY) | +10.3% | +5.7% | +4.6 pts |
| Loan growth (YoY) | -100.0% | +6.9% | -106.9 pts |
| ROA | 1.52% | 1.23% | +0.3 pts |
| ROE | 20.1% | 11.2% | +8.8 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $26.58B | $24.46B | $1.0M | $2.10B | $205.0M | 1.52% | 2.44% | 0.00% |
| Q1 2026 | $27.44B | $25.35B | $3.61B | $2.04B | $102.0M | 1.50% | 2.35% | 0.00% |
| Q4 2025 | $27.02B | $25.00B | $3.49B | $2.00B | $376.0M | 1.47% | 2.29% | 0.00% |
| Q3 2025 | $25.13B | $22.74B | $2.86B | $2.16B | $275.0M | 1.45% | 2.25% | 0.00% |
| Q2 2025 | $24.43B | $22.18B | $2.30B | $2.23B | $182.0M | 1.43% | 2.22% | 0.00% |
| Q1 2025 | $25.26B | $22.88B | $1.76B | $2.33B | $87.0M | 1.35% | 2.12% | 0.00% |
| Q4 2024 | $26.47B | $24.09B | $1.25B | $2.16B | $229.0M | 0.87% | 1.49% | 0.00% |
| Q3 2024 | $25.78B | $21.49B | $1.02B | $2.04B | $158.0M | 0.80% | 1.40% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $22.86B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.23% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.3% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 14.9% | 54.9% | 4th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $24.46B branch deposits. Biggest market: Denton, TX, ranked 2nd with 8.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Denton, TX | 1 | $24.46B | 8.75% | 2nd |
Texas: 12th with 1.40% · Dallas-Fort Worth-Arlington metro: 4th, 3.19% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1