| Metric | Ozona Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.2 pts |
| Loan growth (YoY) | +30.3% | +5.6% | +24.8 pts |
| ROA | 0.68% | 1.24% | -0.6 pts |
| ROE | 7.1% | 11.9% | -4.7 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $346.1M | $282.8M | $176.3M | $32.5M | $1.1M | 0.68% | 4.18% | 0.14% |
| Q1 2026 | $345.8M | $277.9M | $158.5M | $32.2M | $451K | 0.54% | 3.90% | 3.44% |
| Q4 2025 | $327.0M | $274.1M | $155.9M | $31.9M | $2.4M | 0.74% | 4.11% | 3.15% |
| Q3 2025 | $338.8M | $283.6M | $153.3M | $29.9M | $1.0M | 0.42% | 3.93% | 2.62% |
| Q2 2025 | $318.6M | $271.6M | $135.3M | $26.7M | $480K | 0.30% | 3.93% | 0.27% |
| Q1 2025 | $319.5M | $279.6M | $135.3M | $27.2M | $524K | 0.66% | 3.89% | 0.29% |
| Q4 2024 | $316.3M | $278.1M | $130.7M | $25.7M | $2.7M | 0.79% | 3.68% | 0.31% |
| Q3 2024 | $341.4M | $285.9M | $128.9M | $28.0M | $1.9M | 0.73% | 3.61% | 0.34% |
Loan mix (Q2 2026): real estate $139.3M · commercial $32.6M · consumer $3.5M · securities $130.8M
| Ratio | Ozona Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 62.9% | 89th |
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 | Ozona 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 | Ozona 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 | Ozona 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 | Ozona 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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