| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +23.0% | +5.6% | +17.4 pts |
| ROA | 0.57% | 1.24% | -0.7 pts |
| ROE | 5.7% | 11.9% | -6.2 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $353.6M | $316.3M | $256.6M | $34.9M | $1.0M | 0.57% | 5.04% | 2.09% |
| Q1 2026 | $349.0M | $311.2M | $255.8M | $35.9M | $934K | 1.04% | 5.28% | 0.35% |
| Q4 2025 | $368.7M | $330.6M | $258.1M | $36.2M | $1.8M | 0.52% | 4.77% | 0.59% |
| Q3 2025 | $356.3M | $318.5M | $234.6M | $35.1M | $746K | 0.29% | 4.60% | 0.67% |
| Q2 2025 | $349.9M | $315.0M | $208.7M | $32.8M | $-20K | -0.01% | 4.40% | 0.58% |
| Q1 2025 | $347.2M | $312.1M | $214.1M | $33.4M | $484K | 0.57% | 4.27% | 0.41% |
| Q4 2024 | $337.5M | $302.9M | $209.6M | $33.3M | $4.2M | 1.41% | 4.97% | 0.46% |
| Q3 2024 | $297.3M | $262.0M | $195.7M | $33.1M | $3.3M | 1.53% | 5.13% | 0.54% |
Loan mix (Q2 2026): real estate $201.7M · commercial $50.0M · consumer $5.9M · securities $51.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 74th |
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.
6 branches in 5 counties across 1 state (+2 vs 2024) · $315.0M branch deposits. Biggest market: Live Oak, TX, ranked 2nd with 33.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Live Oak, TX | 1 | $127.2M | 33.50% | 2nd |
| Orange, TX | 2 | $88.4M | 4.69% | 7th |
| Jefferson, TX | 1 | $57.5M | 0.97% | 18th |
| 2 more counties with Pro → | ||||
Texas: 303rd with 0.02% · Beaumont-Port Arthur metro: 19th, 1.63% · Houston-Pasadena-The Woodlands metro: 138th, 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 6