| Metric | TBK BANK, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +5.5% | +8.5 pts |
| Deposit growth (YoY) | +19.8% | +5.1% | +14.7 pts |
| Loan growth (YoY) | +10.6% | +5.9% | +4.7 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 4.2% | 12.2% | -8.0 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.40B | $6.23B | $5.44B | $1.06B | $21.7M | 0.63% | 6.25% | 1.22% |
| Q1 2026 | $6.87B | $5.72B | $5.16B | $1.04B | $8.6M | 0.52% | 6.09% | 1.48% |
| Q4 2025 | $6.38B | $4.96B | $4.96B | $1.04B | $33.3M | 0.53% | 6.60% | 1.08% |
| Q3 2025 | $6.35B | $4.97B | $4.96B | $1.01B | $12.4M | 0.26% | 6.57% | 1.07% |
| Q2 2025 | $6.49B | $5.20B | $4.92B | $1.01B | $8.6M | 0.28% | 6.55% | 1.25% |
| Q1 2025 | $6.26B | $4.99B | $4.63B | $991.8M | $2.2M | 0.14% | 6.47% | 1.57% |
| Q4 2024 | $5.95B | $4.83B | $4.51B | $987.5M | $27.0M | 0.47% | 7.27% | 1.93% |
| Q3 2024 | $5.86B | $4.74B | $4.29B | $1.00B | $20.1M | 0.48% | 7.34% | 1.98% |
Loan mix (Q2 2026): real estate $1.11B · commercial $3.24B · consumer $16.7M · securities $272.7M
| Ratio | TBK BANK, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.25% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 59.0% | 96th |
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 | TBK BANK, SSB | 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 | TBK BANK, SSB | 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 | TBK BANK, SSB | 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 | TBK BANK, SSB | 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.