| Metric | Llano National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +4.4% | -4.6 pts |
| Deposit growth (YoY) | -0.9% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 10.3% | 11.9% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $301.1M | $265.9M | $170.3M | $31.6M | $1.6M | 1.02% | 3.82% | 0.26% |
| Q1 2026 | $311.3M | $276.9M | $172.4M | $30.9M | $753K | 0.96% | 3.73% | 0.24% |
| Q4 2025 | $319.4M | $286.2M | $161.9M | $30.1M | $3.1M | 1.04% | 3.70% | 0.41% |
| Q3 2025 | $296.1M | $261.5M | $162.6M | $28.8M | $2.3M | 1.06% | 3.71% | 0.41% |
| Q2 2025 | $301.7M | $268.3M | $163.1M | $25.7M | $1.6M | 1.06% | 3.65% | 0.29% |
| Q1 2025 | $299.8M | $265.7M | $167.7M | $25.2M | $788K | 1.07% | 3.63% | 0.33% |
| Q4 2024 | $289.0M | $255.0M | $159.0M | $23.4M | $2.8M | 0.96% | 3.41% | 0.33% |
| Q3 2024 | $294.2M | $255.8M | $158.7M | $25.3M | $2.1M | 0.95% | 3.36% | 0.31% |
Loan mix (Q2 2026): real estate $157.9M · commercial $5.9M · consumer $4.1M · securities $95.9M
| Ratio | Llano National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 69th |
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 | Llano 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 | Llano 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 | Llano 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 | Llano National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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