| Metric | Johnson City Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.8M | $128.8M | $86.2M | $17.7M | $939K | 1.29% | 4.05% | 0.15% |
| Q1 2026 | $148.8M | $130.7M | $85.9M | $17.8M | $536K | 1.49% | 3.98% | 0.27% |
| Q4 2025 | $139.9M | $121.9M | $86.6M | $17.8M | $1.9M | 1.39% | 4.07% | 0.36% |
| Q3 2025 | $136.8M | $118.9M | $82.8M | $17.5M | $1.4M | 1.36% | 4.04% | 0.37% |
| Q2 2025 | $133.6M | $116.1M | $82.8M | $17.2M | $942K | 1.41% | 4.02% | 0.34% |
| Q1 2025 | $133.1M | $115.7M | $84.8M | $17.1M | $458K | 1.37% | 4.00% | 0.18% |
| Q4 2024 | $134.2M | $117.3M | $85.1M | $16.7M | $2.0M | 1.46% | 3.96% | 0.19% |
| Q3 2024 | $139.5M | $122.4M | $86.5M | $16.9M | $1.5M | 1.42% | 3.92% | 0.18% |
Loan mix (Q2 2026): real estate $72.6M · commercial $6.9M · consumer $6.8M · securities $19.4M
| Ratio | Johnson City Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51st |
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 | Johnson City 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 | Johnson City 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 | Johnson City 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 | Johnson City 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 | Johnson City 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $128.8M branch deposits. Biggest market: Blanco, TX, ranked 2nd with 33.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Blanco, TX | 1 | $128.8M | 33.39% | 2nd |
Texas: 480th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (22 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).