| Metric | Susser Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +5.5% | +8.4 pts |
| Deposit growth (YoY) | +13.9% | +5.1% | +8.9 pts |
| Loan growth (YoY) | +12.8% | +5.9% | +6.8 pts |
| ROA | 0.92% | 1.26% | -0.3 pts |
| ROE | 9.0% | 12.2% | -3.1 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.99B | $2.66B | $2.19B | $306.7M | $13.5M | 0.92% | 3.63% | 0.31% |
| Q1 2026 | $2.90B | $2.58B | $2.10B | $299.7M | $7.2M | 1.00% | 3.57% | 0.43% |
| Q4 2025 | $2.88B | $2.57B | $2.04B | $291.9M | $25.5M | 0.96% | 3.77% | 0.66% |
| Q3 2025 | $2.73B | $2.42B | $1.95B | $283.5M | $18.5M | 0.95% | 3.80% | 0.58% |
| Q2 2025 | $2.63B | $2.34B | $1.94B | $273.3M | $9.7M | 0.76% | 3.75% | 0.86% |
| Q1 2025 | $2.56B | $2.28B | $1.92B | $268.0M | $6.3M | 0.99% | 3.69% | 1.01% |
| Q4 2024 | $2.51B | $2.23B | $1.87B | $260.4M | $19.3M | 0.82% | 3.71% | 0.72% |
| Q3 2024 | $2.44B | $2.16B | $1.79B | $255.4M | $13.3M | 0.77% | 3.71% | 0.58% |
Loan mix (Q2 2026): real estate $1.36B · commercial $637.5M · consumer $6.1M · securities $100.2M
| Ratio | Susser Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 59.0% | 59th |
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 | Susser 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 | Susser 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 | Susser 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 | Susser 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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