| Metric | First Lockhart Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +11.5% | +5.6% | +6.0 pts |
| ROA | 0.70% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $415.9M | $375.0M | $310.8M | $38.0M | $1.4M | 0.70% | 4.30% | 0.36% |
| Q1 2026 | $408.9M | $368.4M | $301.2M | $37.5M | $675K | 0.67% | 4.19% | 0.21% |
| Q4 2025 | $397.9M | $357.7M | $299.6M | $37.2M | $3.1M | 0.80% | 4.23% | 0.22% |
| Q3 2025 | $386.1M | $347.1M | $289.6M | $36.6M | $2.3M | 0.77% | 4.13% | 0.23% |
| Q2 2025 | $378.8M | $340.9M | $278.6M | $35.6M | $1.3M | 0.64% | 3.98% | 0.43% |
| Q1 2025 | $390.3M | $352.9M | $272.7M | $35.0M | $524K | 0.53% | 3.72% | 0.20% |
| Q4 2024 | $405.8M | $368.9M | $269.3M | $34.5M | $2.1M | 0.53% | 3.56% | 0.32% |
| Q3 2024 | $382.2M | $345.5M | $276.0M | $34.0M | $1.4M | 0.48% | 3.50% | 0.62% |
Loan mix (Q2 2026): real estate $306.7M · commercial $3.9M · consumer $3.0M · securities $18.3M
| Ratio | First Lockhart Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 62.9% | 84th |
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 | First Lockhart 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 | First Lockhart 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 | First Lockhart 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 | First Lockhart Bank | 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.