| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.0% | +3.3 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.6 pts |
| Loan growth (YoY) | -17.6% | +2.6% | -20.2 pts |
| ROA | 0.47% | 0.99% | -0.5 pts |
| ROE | 2.4% | 8.1% | -5.7 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $73.8M | $55.4M | $47.3M | $16.9M | $157K | 0.47% | 2.45% | 1.10% |
| Q1 2026 | $63.9M | $51.1M | $49.7M | $11.6M | $78K | 0.49% | 5.28% | 5.87% |
| Q4 2025 | $63.1M | $51.4M | $50.9M | $11.6M | $604K | 0.89% | 5.72% | 6.07% |
| Q3 2025 | $67.7M | $55.9M | $53.2M | $11.5M | $474K | 0.91% | 5.64% | 0.98% |
| Q2 2025 | $69.5M | $54.9M | $57.4M | $11.3M | $300K | 0.86% | 5.55% | 1.05% |
| Q1 2025 | $69.0M | $58.0M | $55.6M | $10.7M | $147K | 0.84% | 5.46% | 0.04% |
| Q4 2024 | $70.4M | $59.8M | $54.8M | $10.3M | $749K | 1.07% | 5.43% | 0.04% |
| Q3 2024 | $72.1M | $61.5M | $50.8M | $10.3M | $469K | 0.89% | 5.23% | 0.80% |
Loan mix (Q2 2026): real estate $43.2M · commercial $4.0M · consumer $1.2M · securities $6.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.99% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 8.1% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 70.8% | 55th |
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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $54.9M branch deposits. Biggest market: Caldwell, TX, ranked 7th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caldwell, TX | 1 | $32.9M | 3.92% | 7th |
| Bexar, TX | 1 | $22.0M | 0.01% | 60th |
Texas: 600th with 0.00% · Austin-Round Rock-San Marcos metro: 87th, 0.04% · San Antonio-New Braunfels metro: 79th, 0.01% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2