| Metric | Interstate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | -10.8% | +5.6% | -16.4 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 20.3% | 11.9% | +8.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.4M | $269.1M | $139.8M | $18.6M | $1.8M | 1.28% | 3.31% | 1.73% |
| Q1 2026 | $292.3M | $273.6M | $138.1M | $17.8M | $918K | 1.29% | 3.24% | 2.03% |
| Q4 2025 | $275.7M | $257.3M | $140.3M | $17.8M | $2.7M | 0.96% | 3.63% | 2.28% |
| Q3 2025 | $271.8M | $252.1M | $151.4M | $18.7M | $3.8M | 1.84% | 3.70% | 2.57% |
| Q2 2025 | $275.3M | $258.2M | $156.8M | $16.3M | $2.8M | 2.02% | 3.68% | 0.91% |
| Q1 2025 | $277.7M | $260.9M | $161.2M | $16.0M | $1.4M | 2.02% | 3.53% | 0.79% |
| Q4 2024 | $281.8M | $266.9M | $165.5M | $14.1M | $3.4M | 1.25% | 4.00% | 0.86% |
| Q3 2024 | $266.3M | $249.4M | $176.2M | $15.9M | $2.8M | 1.38% | 4.07% | 1.11% |
Loan mix (Q2 2026): real estate $72.1M · commercial $51.2M · consumer $3.5M · securities $81.3M
| Ratio | Interstate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53rd | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 55th |
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 | Interstate 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 | Interstate 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 | Interstate 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 | Interstate 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 | Interstate 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 2 counties across 1 state (+0 vs 2024) · $258.2M branch deposits. Biggest market: Ochiltree, TX, ranked 2nd with 27.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ochiltree, TX | 1 | $230.9M | 26.98% | 2nd |
| Randall, TX | 1 | $27.4M | 0.77% | 17th |
Texas: 343rd with 0.02% · Amarillo metro: 21st, 0.23% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2