| Metric | Round Top State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +4.1% | +5.3% | -1.3 pts |
| ROA | 1.26% | 1.28% | -0.0 pts |
| ROE | 12.4% | 12.4% | -0.1 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $974.1M | $870.3M | $594.2M | $100.8M | $6.1M | 1.26% | 3.12% | 0.22% |
| Q1 2026 | $975.2M | $873.6M | $596.7M | $98.0M | $2.9M | 1.21% | 3.08% | 0.04% |
| Q4 2025 | $943.3M | $844.1M | $580.8M | $96.7M | $10.7M | 1.17% | 2.98% | 0.01% |
| Q3 2025 | $946.4M | $847.9M | $580.3M | $95.6M | $7.8M | 1.14% | 2.92% | 0.00% |
| Q2 2025 | $914.7M | $823.9M | $570.9M | $88.2M | $4.9M | 1.09% | 2.87% | 0.00% |
| Q1 2025 | $888.3M | $800.2M | $565.9M | $85.2M | $2.3M | 1.02% | 2.78% | 0.00% |
| Q4 2024 | $882.5M | $799.8M | $560.5M | $80.1M | $7.8M | 0.86% | 2.54% | 0.00% |
| Q3 2024 | $887.2M | $797.3M | $571.1M | $86.6M | $5.6M | 0.82% | 2.49% | 0.00% |
Loan mix (Q2 2026): real estate $540.9M · commercial $22.4M · consumer $17.3M · securities $298.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Round Top State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 61.2% | 19th |
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 | Round Top 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 | Round Top 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 | Round Top 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 | Round Top State Bank | 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.