| Metric | Red River State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +4.4% | -9.5 pts |
| Deposit growth (YoY) | -6.9% | +4.0% | -10.8 pts |
| Loan growth (YoY) | -6.3% | +5.6% | -11.9 pts |
| ROA | 2.18% | 1.24% | +0.9 pts |
| ROE | 14.9% | 11.9% | +3.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $110.2M | $91.7M | $96.6M | $17.7M | $1.3M | 2.18% | 5.45% | 7.91% |
| Q1 2026 | $120.2M | $102.4M | $97.8M | $17.1M | $631K | 2.10% | 5.84% | 7.03% |
| Q4 2025 | $120.4M | $103.2M | $103.7M | $16.5M | $670K | 0.56% | 4.19% | 10.56% |
| Q3 2025 | $116.6M | $98.8M | $104.0M | $16.9M | $1.1M | 1.21% | 4.14% | 11.31% |
| Q2 2025 | $116.2M | $98.5M | $103.1M | $16.8M | $809K | 1.33% | 4.11% | 11.42% |
| Q1 2025 | $125.6M | $108.3M | $103.2M | $16.5M | $481K | 1.54% | 4.25% | 6.80% |
| Q4 2024 | $124.1M | $107.2M | $107.1M | $16.0M | $1.1M | 0.86% | 4.17% | 6.90% |
| Q3 2024 | $121.8M | $104.5M | $109.9M | $16.4M | $1.4M | 1.53% | 4.19% | 8.20% |
Loan mix (Q2 2026): real estate $35.9M · commercial $32.9M · consumer $9.9M · securities $2.6M
| Ratio | Red River State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 62.9% | 31th |
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 | Red River State 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 | Red River State 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 | Red River State 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 | Red River State 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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