| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +4.9% | +8.6 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +4.6% | +5.3% | -0.7 pts |
| ROA | 1.81% | 1.28% | +0.5 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $567.8M | $457.0M | $140.4M | $62.8M | $4.9M | 1.81% | 3.44% | 0.04% |
| Q1 2026 | $527.5M | $451.2M | $139.0M | $61.4M | $2.3M | 1.79% | 3.39% | 0.08% |
| Q4 2025 | $512.4M | $438.1M | $140.3M | $60.2M | $8.2M | 1.66% | 3.38% | 0.21% |
| Q3 2025 | $504.2M | $432.3M | $140.8M | $57.1M | $5.9M | 1.61% | 3.37% | 0.23% |
| Q2 2025 | $500.3M | $428.3M | $134.2M | $57.8M | $3.7M | 1.53% | 3.31% | 0.11% |
| Q1 2025 | $492.3M | $424.0M | $135.3M | $54.0M | $1.9M | 1.58% | 3.25% | 0.13% |
| Q4 2024 | $468.3M | $404.9M | $134.1M | $49.3M | $7.8M | 1.65% | 3.25% | 0.14% |
| Q3 2024 | $479.3M | $414.4M | $133.8M | $50.9M | $5.8M | 1.63% | 3.25% | 0.14% |
Loan mix (Q2 2026): real estate $101.0M · commercial $28.4M · consumer $9.1M · securities $380.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.28% | 81st | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 61.2% | 21st |
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.
9 branches in 6 counties across 1 state (+0 vs 2024) · $428.3M branch deposits. Biggest market: Zapata, TX, ranked 1st with 94.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Zapata, TX | 1 | $221.4M | 94.32% | 1st |
| Starr, TX | 4 | $144.4M | 25.27% | 2nd |
| Bee, TX | 1 | $28.6M | 4.91% | 4th |
| 3 more counties with Pro → | ||||
Texas: 255th with 0.03% ·
Branch count: 2022 9 · 2023 9 · 2024 9 · 2025 9