| Metric | PrimeBank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.9% | +4.4% | +19.6 pts |
| Deposit growth (YoY) | +25.7% | +4.0% | +21.8 pts |
| Loan growth (YoY) | +28.2% | +5.6% | +22.6 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279.7M | $244.2M | $184.2M | $34.5M | $2.4M | 1.72% | 4.46% | 0.00% |
| Q1 2026 | $275.4M | $241.3M | $173.5M | $33.1M | $1.2M | 1.64% | 4.25% | 0.00% |
| Q4 2025 | $290.4M | $257.0M | $166.0M | $32.1M | $3.5M | 1.44% | 4.26% | 0.00% |
| Q3 2025 | $264.4M | $231.5M | $157.9M | $31.7M | $2.4M | 1.35% | 4.18% | 0.00% |
| Q2 2025 | $225.8M | $194.3M | $143.7M | $30.4M | $1.4M | 1.27% | 4.18% | 0.00% |
| Q1 2025 | $224.5M | $193.3M | $124.7M | $30.1M | $594K | 1.08% | 3.85% | 0.00% |
| Q4 2024 | $216.0M | $185.6M | $122.2M | $29.1M | $1.9M | 0.95% | 3.92% | 0.00% |
| Q3 2024 | $201.4M | $171.1M | $115.1M | $29.1M | $1.3M | 0.90% | 3.87% | 0.00% |
Loan mix (Q2 2026): real estate $156.5M · commercial $25.5M · consumer $1.1M · securities $30.0M
| Ratio | PrimeBank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.3% | 62.9% | 13th |
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 | PrimeBank of Texas | 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 | PrimeBank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | PrimeBank of Texas | 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 | PrimeBank of Texas | 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 | PrimeBank of Texas | 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.
3 branches in 3 counties across 1 state (+0 vs 2025) · $244.2M branch deposits. Biggest market: Travis, TX, ranked 52nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Travis, TX | 1 | $99.9M | 0.16% | 52nd |
| Dimmit, TX | 1 | $94.8M | 40.00% | 2nd |
| Zavala, TX | 1 | $49.6M | 41.64% | 2nd |
Texas: 371st with 0.01% · Austin-Round Rock-San Marcos metro: 64th, 0.11% ·
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (20 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).