| Metric | Lexicon Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.6% | +4.4% | +11.2 pts |
| Deposit growth (YoY) | +13.4% | +4.0% | +9.5 pts |
| Loan growth (YoY) | +13.6% | +5.6% | +8.0 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 13.8% | 11.9% | +2.0 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 | $446.2M | $400.1M | $198.2M | $43.2M | $2.9M | 1.29% | 4.39% | 0.34% |
| Q1 2026 | $460.0M | $414.0M | $200.2M | $41.7M | $1.3M | 1.20% | 4.30% | 0.33% |
| Q4 2025 | $432.7M | $388.4M | $193.7M | $40.4M | $4.4M | 1.12% | 4.33% | 0.36% |
| Q3 2025 | $440.7M | $398.5M | $188.2M | $38.9M | $3.0M | 1.04% | 4.19% | 0.41% |
| Q2 2025 | $386.0M | $352.6M | $174.5M | $30.2M | $1.7M | 0.93% | 3.96% | 0.48% |
| Q1 2025 | $401.4M | $369.2M | $173.6M | $29.0M | $561K | 0.65% | 3.79% | 0.11% |
| Q4 2024 | $287.5M | $256.4M | $169.7M | $28.0M | $2.2M | 0.77% | 3.92% | 0.16% |
| Q3 2024 | $289.9M | $258.4M | $165.2M | $28.2M | $1.6M | 0.75% | 3.88% | 0.00% |
Loan mix (Q2 2026): real estate $171.1M · commercial $21.9M · consumer $8.9M · securities $26.0M
| Ratio | Lexicon 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 | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 49th |
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 | Lexicon 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 | Lexicon 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 | Lexicon 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 | Lexicon 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.