| Metric | First Texas Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.5 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 1.90% | 1.24% | +0.7 pts |
| ROE | 19.0% | 11.9% | +7.1 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 | $259.7M | $232.4M | $92.6M | $25.4M | $2.4M | 1.90% | 3.71% | 0.00% |
| Q1 2026 | $248.9M | $222.0M | $86.5M | $24.9M | $1.1M | 1.88% | 3.70% | 0.00% |
| Q4 2025 | $238.3M | $212.1M | $88.9M | $24.4M | $4.2M | 1.78% | 3.61% | 0.00% |
| Q3 2025 | $242.1M | $216.4M | $87.6M | $23.8M | $3.1M | 1.75% | 3.55% | 0.00% |
| Q2 2025 | $239.1M | $214.4M | $87.1M | $22.9M | $1.9M | 1.60% | 3.39% | 0.00% |
| Q1 2025 | $226.0M | $201.7M | $85.6M | $22.3M | $853K | 1.49% | 3.33% | 0.00% |
| Q4 2024 | $230.6M | $207.0M | $84.5M | $21.8M | $2.9M | 1.35% | 3.16% | 0.00% |
| Q3 2024 | $216.3M | $192.8M | $89.9M | $21.5M | $2.1M | 1.33% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $82.5M · commercial $6.2M · consumer $2.4M · securities $124.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First Texas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 62.9% | 5th |
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 |
|---|---|---|---|---|
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 | 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $214.4M branch deposits. Biggest market: Lampasas, TX, ranked 1st with 80.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lampasas, TX | 2 | $214.4M | 80.34% | 1st |
Texas: 376th with 0.01% · Killeen-Temple metro: 11th, 2.08% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2