| Metric | State Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.6% | +5.5% | -12.1 pts |
| Deposit growth (YoY) | -6.8% | +5.1% | -11.8 pts |
| Loan growth (YoY) | -7.0% | +5.9% | -12.9 pts |
| ROA | 4.24% | 1.26% | +3.0 pts |
| ROE | 27.9% | 12.2% | +15.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.59B | $2.14B | $2.07B | $425.0M | $57.4M | 4.24% | 5.33% | 2.00% |
| Q1 2026 | $2.76B | $2.22B | $2.21B | $401.3M | $27.2M | 3.94% | 5.04% | 2.30% |
| Q4 2025 | $2.77B | $2.24B | $2.24B | $407.3M | $110.7M | 3.98% | 5.27% | 2.78% |
| Q3 2025 | $2.81B | $2.31B | $2.25B | $431.3M | $86.5M | 4.14% | 5.24% | 2.87% |
| Q2 2025 | $2.77B | $2.30B | $2.23B | $398.3M | $56.3M | 4.05% | 5.14% | 2.82% |
| Q1 2025 | $2.79B | $2.33B | $2.26B | $378.6M | $28.3M | 4.07% | 5.09% | 2.10% |
| Q4 2024 | $2.78B | $2.28B | $2.26B | $389.7M | $108.4M | 4.00% | 5.58% | 2.19% |
| Q3 2024 | $2.81B | $2.31B | $2.28B | $379.7M | $92.8M | 4.60% | 5.62% | 2.14% |
Loan mix (Q2 2026): real estate $2.07B · commercial $17.9M · consumer $2.0M · securities $186.6M
| Ratio | State Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.24% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 27.9% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 21.4% | 59.0% | 1th |
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 | State 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 | State 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 | State 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 | State Bank 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.