| Metric | Lone Star Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.7% | +4.4% | +12.4 pts |
| Deposit growth (YoY) | +17.2% | +4.0% | +13.2 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.19% | 1.24% | -0.1 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.3M | $176.0M | $174.1M | $25.4M | $1.2M | 1.19% | 4.35% | 0.25% |
| Q1 2026 | $200.2M | $174.9M | $168.5M | $24.5M | $625K | 1.28% | 4.37% | 0.00% |
| Q4 2025 | $191.4M | $166.9M | $164.5M | $23.8M | $2.0M | 1.12% | 4.33% | 0.00% |
| Q3 2025 | $181.3M | $157.4M | $158.6M | $23.1M | $1.3M | 1.03% | 4.30% | 0.00% |
| Q2 2025 | $173.3M | $150.2M | $151.2M | $22.5M | $737K | 0.87% | 4.18% | 0.08% |
| Q1 2025 | $167.6M | $143.9M | $144.8M | $22.7M | $296K | 0.71% | 3.99% | 0.00% |
| Q4 2024 | $167.5M | $144.2M | $144.2M | $22.5M | $1.1M | 0.66% | 3.63% | 0.24% |
| Q3 2024 | $166.5M | $143.5M | $140.4M | $22.0M | $690K | 0.56% | 3.56% | 0.25% |
Loan mix (Q2 2026): real estate $163.9M · commercial $12.1M · consumer $110K · securities $0
| Ratio | Lone Star Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 62.9% | 45th |
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 | Lone Star 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 | Lone Star 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 | Lone Star 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 | Lone Star 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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