| Metric | Junction National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | +0.1% | +2.6% | -2.5 pts |
| ROA | 1.60% | 0.99% | +0.6 pts |
| ROE | 18.5% | 8.1% | +10.5 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.0M | $84.6M | $21.1M | $8.2M | $756K | 1.60% | 3.24% | 0.00% |
| Q1 2026 | $95.4M | $87.0M | $21.0M | $8.3M | $349K | 1.47% | 3.20% | 0.00% |
| Q4 2025 | $94.6M | $86.4M | $20.8M | $8.0M | $1.3M | 1.46% | 3.26% | 0.00% |
| Q3 2025 | $92.4M | $84.5M | $20.5M | $7.6M | $989K | 1.49% | 3.22% | 0.00% |
| Q2 2025 | $88.7M | $82.3M | $21.1M | $6.2M | $639K | 1.47% | 3.23% | 0.00% |
| Q1 2025 | $87.3M | $81.2M | $21.3M | $5.9M | $307K | 1.43% | 3.13% | 0.01% |
| Q4 2024 | $84.8M | $79.9M | $21.6M | $4.7M | $1.3M | 1.50% | 3.21% | 0.01% |
| Q3 2024 | $87.4M | $80.8M | $21.4M | $6.0M | $1.0M | 1.56% | 3.19% | 0.01% |
Loan mix (Q2 2026): real estate $15.7M · commercial $1.8M · consumer $1.5M · securities $49.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Junction National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 8.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 70.8% | 16th |
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 | Junction National 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 | Junction National 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 | Junction National 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 | Junction National 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 | Junction National 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 2024) · $82.3M branch deposits. Biggest market: Kimble, TX, ranked 1st with 50.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kimble, TX | 1 | $82.3M | 50.18% | 1st |
Texas: 536th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1