| Metric | Producer Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.6% | +3.0% | +18.6 pts |
| Deposit growth (YoY) | +35.2% | +2.5% | +32.7 pts |
| Loan growth (YoY) | +62.2% | +2.6% | +59.6 pts |
| ROA | -0.82% | 0.99% | -1.8 pts |
| ROE | -3.3% | 8.1% | -11.4 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $58.7M | $43.3M | $25.2M | $13.8M | $-232K | -0.82% | 4.19% | 0.26% |
| Q1 2026 | $57.8M | $42.3M | $23.0M | $13.9M | $-184K | -1.32% | 4.02% | 0.65% |
| Q4 2025 | $53.5M | $37.7M | $19.3M | $14.1M | $-419K | -0.84% | 4.28% | 0.72% |
| Q3 2025 | $49.3M | $33.5M | $18.5M | $14.0M | $-515K | -1.39% | 4.26% | 2.18% |
| Q2 2025 | $48.3M | $32.0M | $15.6M | $14.3M | $-172K | -0.70% | 4.12% | 2.29% |
| Q1 2025 | $50.8M | $34.4M | $14.6M | $14.4M | $-72K | -0.58% | 3.85% | 2.40% |
| Q4 2024 | $48.8M | $33.0M | $15.2M | $14.5M | $-354K | -0.98% | 0.26% | 2.63% |
| Q3 2024 | $31.9M | $27.9M | $17.2M | $3.0M | $-404K | -1.63% | 4.40% | 0.78% |
Loan mix (Q2 2026): real estate $13.2M · commercial $9.1M · consumer $2.6M · securities $11.7M
| Ratio | Producer Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.82% | 0.99% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 8.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.8% | 70.8% | 92th |
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 | Producer Bank 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 | Producer Bank 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 | Producer Bank 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 | Producer Bank of Texas | 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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