| Metric | First Texas Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +5.5% | -6.0 pts |
| Deposit growth (YoY) | -0.9% | +5.1% | -6.0 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -1.9 pts |
| ROA | 1.85% | 1.26% | +0.6 pts |
| ROE | 16.8% | 12.2% | +4.7 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.16B | $570.6M | $144.7M | $12.2M | 1.85% | 3.73% | 0.65% |
| Q1 2026 | $1.33B | $1.18B | $582.9M | $144.4M | $5.8M | 1.78% | 3.64% | 0.39% |
| Q4 2025 | $1.30B | $1.15B | $585.8M | $143.7M | $20.3M | 1.54% | 3.33% | 0.03% |
| Q3 2025 | $1.35B | $1.20B | $579.3M | $142.4M | $14.3M | 1.45% | 3.21% | 0.01% |
| Q2 2025 | $1.32B | $1.17B | $548.5M | $140.7M | $8.7M | 1.34% | 3.07% | 0.45% |
| Q1 2025 | $1.32B | $1.17B | $527.6M | $140.1M | $4.2M | 1.28% | 2.99% | 0.01% |
| Q4 2024 | $1.28B | $1.14B | $517.2M | $138.0M | $15.1M | 1.18% | 2.91% | 0.00% |
| Q3 2024 | $875.3M | $779.5M | $329.5M | $92.9M | $7.4M | 1.12% | 2.67% | 0.00% |
Loan mix (Q2 2026): real estate $537.3M · commercial $23.6M · consumer $11.9M · securities $585.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Texas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.2% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 59.0% | 9th |
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 Texas 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 Texas 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 Texas 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 Texas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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