| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +0.7% | +5.1% | -4.3 pts |
| Loan growth (YoY) | +4.0% | +5.9% | -1.9 pts |
| ROA | 1.44% | 1.26% | +0.2 pts |
| ROE | 12.9% | 12.2% | +0.8 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.28B | $2.88B | $1.75B | $383.7M | $24.0M | 1.44% | 3.73% | 0.58% |
| Q1 2026 | $3.41B | $3.03B | $1.71B | $367.6M | $11.6M | 1.38% | 3.65% | 0.38% |
| Q4 2025 | $3.28B | $2.91B | $1.69B | $361.6M | $62.0M | 1.94% | 3.69% | 0.30% |
| Q3 2025 | $3.20B | $2.84B | $1.69B | $342.4M | $50.1M | 2.10% | 3.65% | 0.40% |
| Q2 2025 | $3.21B | $2.86B | $1.68B | $319.5M | $39.8M | 2.50% | 3.60% | 0.32% |
| Q1 2025 | $3.16B | $2.78B | $1.60B | $341.2M | $29.7M | 3.76% | 3.52% | 0.26% |
| Q4 2024 | $3.16B | $2.81B | $1.59B | $311.2M | $43.3M | 1.45% | 3.64% | 0.25% |
| Q3 2024 | $2.99B | $2.62B | $1.52B | $337.6M | $31.7M | 1.43% | 3.68% | 0.81% |
Loan mix (Q2 2026): real estate $1.56B · commercial $120.1M · consumer $20.0M · securities $1.08B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lone Star National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 59.0% | 63th |
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 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 | Lone Star 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 | Lone Star 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 | Lone Star 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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