| Metric | Security Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.8% | +4.4% | +15.4 pts |
| Deposit growth (YoY) | +21.4% | +4.0% | +17.4 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.0 pts |
| ROA | 1.00% | 1.24% | -0.2 pts |
| ROE | 8.2% | 11.9% | -3.6 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.9M | $152.6M | $123.7M | $20.9M | $846K | 1.00% | 5.41% | 1.52% |
| Q1 2026 | $169.0M | $146.5M | $126.6M | $20.5M | $354K | 0.85% | 5.32% | 1.68% |
| Q4 2025 | $164.0M | $142.0M | $119.4M | $20.3M | $1.7M | 1.18% | 5.60% | 1.46% |
| Q3 2025 | $158.8M | $136.9M | $114.9M | $20.0M | $1.3M | 1.25% | 5.62% | 0.39% |
| Q2 2025 | $146.9M | $125.8M | $107.0M | $19.5M | $896K | 1.29% | 5.65% | 0.30% |
| Q1 2025 | $134.5M | $113.8M | $105.3M | $19.1M | $466K | 1.39% | 5.78% | 0.30% |
| Q4 2024 | $134.3M | $114.5M | $97.1M | $18.8M | $1.7M | 1.28% | 5.11% | 0.30% |
| Q3 2024 | $137.0M | $117.3M | $89.5M | $18.4M | $1.2M | 1.26% | 4.95% | 0.34% |
Loan mix (Q2 2026): real estate $112.4M · commercial $10.8M · consumer $1.3M · securities $897K
| Ratio | Security Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 62.9% | 72th |
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 | Security 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 | Security 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 | Security 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 | Security 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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