| Metric | Kleberg Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.2 pts |
| Deposit growth (YoY) | +4.6% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.4 pts |
| ROA | 1.20% | 1.28% | -0.1 pts |
| ROE | 12.4% | 12.4% | -0.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $736.8M | $655.5M | $506.3M | $73.1M | $4.4M | 1.20% | 4.49% | 0.07% |
| Q1 2026 | $743.4M | $662.7M | $497.7M | $72.2M | $2.1M | 1.14% | 4.34% | 0.23% |
| Q4 2025 | $735.0M | $657.9M | $492.4M | $69.1M | $10.0M | 1.39% | 4.22% | 0.28% |
| Q3 2025 | $722.7M | $631.7M | $485.3M | $67.3M | $7.5M | 1.41% | 4.17% | 0.35% |
| Q2 2025 | $717.1M | $626.8M | $482.3M | $62.0M | $4.8M | 1.35% | 4.14% | 0.34% |
| Q1 2025 | $718.3M | $631.5M | $477.3M | $63.6M | $2.2M | 1.26% | 4.08% | 0.33% |
| Q4 2024 | $700.0M | $612.6M | $468.9M | $59.6M | $9.1M | 1.28% | 3.89% | 0.30% |
| Q3 2024 | $693.7M | $621.6M | $436.5M | $63.7M | $7.3M | 1.37% | 3.83% | 0.08% |
Loan mix (Q2 2026): real estate $333.9M · commercial $90.3M · consumer $75.6M · securities $123.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kleberg Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 61.2% | 62th |
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 | Kleberg Bank, N.A. | 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 | Kleberg Bank, N.A. | 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 | Kleberg Bank, N.A. | 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 | Kleberg Bank, N.A. | 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.