| Metric | Sundown State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +6.1% | +4.0% | +2.1 pts |
| Loan growth (YoY) | -7.0% | +5.6% | -12.6 pts |
| ROA | 4.15% | 1.24% | +2.9 pts |
| ROE | 35.7% | 11.9% | +23.9 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.7M | $269.6M | $189.8M | $36.5M | $6.5M | 4.15% | 4.26% | 0.52% |
| Q1 2026 | $319.7M | $278.5M | $193.0M | $38.6M | $5.1M | 6.48% | 4.23% | 0.98% |
| Q4 2025 | $308.0M | $273.6M | $200.6M | $33.5M | $6.2M | 2.17% | 4.69% | 0.97% |
| Q3 2025 | $302.5M | $268.0M | $200.5M | $32.8M | $4.3M | 2.03% | 4.73% | 0.00% |
| Q2 2025 | $286.7M | $254.2M | $204.2M | $31.2M | $2.7M | 1.95% | 4.59% | 0.00% |
| Q1 2025 | $271.8M | $240.7M | $204.6M | $29.7M | $1.3M | 1.86% | 4.59% | 0.00% |
| Q4 2024 | $268.3M | $239.1M | $212.8M | $28.5M | $4.5M | 1.70% | 4.43% | 0.00% |
| Q3 2024 | $264.1M | $234.2M | $212.8M | $28.6M | $3.3M | 1.68% | 4.41% | 0.00% |
Loan mix (Q2 2026): real estate $109.2M · commercial $40.1M · consumer $708K · securities $22.8M
| Ratio | Sundown State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.15% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 35.7% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.1% | 62.9% | 1st |
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 | Sundown 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 | Sundown State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sundown 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 | Sundown 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 | Sundown 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.
5 branches in 4 counties across 1 state (+0 vs 2025) · $269.6M branch deposits. Biggest market: Hockley, TX, ranked 3rd with 19.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hockley, TX | 2 | $138.8M | 19.74% | 3rd |
| Yoakum, TX | 1 | $55.8M | 14.75% | 3rd |
| Terry, TX | 1 | $42.6M | 19.83% | 2nd |
| 1 more county with Pro → | ||||
Texas: 347th with 0.02% · Lubbock metro: 20th, 0.90% · San Angelo metro: 18th, 0.82% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).