| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.5% | -5.5 pts |
| Deposit growth (YoY) | -1.2% | +5.1% | -6.2 pts |
| Loan growth (YoY) | -1.7% | +5.9% | -7.6 pts |
| ROA | 1.54% | 1.26% | +0.3 pts |
| ROE | 12.4% | 12.2% | +0.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.34B | $3.75B | $3.39B | $559.9M | $33.7M | 1.54% | 3.75% | 0.49% |
| Q1 2026 | $4.46B | $3.89B | $3.34B | $540.1M | $15.9M | 1.44% | 3.66% | 0.23% |
| Q4 2025 | $4.38B | $3.79B | $3.38B | $532.9M | $57.9M | 1.32% | 3.38% | 0.33% |
| Q3 2025 | $4.38B | $3.81B | $3.43B | $512.8M | $41.1M | 1.25% | 3.28% | 0.23% |
| Q2 2025 | $4.34B | $3.79B | $3.45B | $497.0M | $25.4M | 1.16% | 3.20% | 0.24% |
| Q1 2025 | $4.41B | $3.87B | $3.45B | $479.5M | $11.4M | 1.04% | 3.07% | 0.08% |
| Q4 2024 | $4.37B | $3.84B | $3.45B | $467.1M | $43.5M | 0.99% | 2.77% | 0.12% |
| Q3 2024 | $4.46B | $3.78B | $3.46B | $467.4M | $31.3M | 0.95% | 2.68% | 0.15% |
Loan mix (Q2 2026): real estate $3.00B · commercial $369.2M · consumer $24.6M · securities $427.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.26% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 12.2% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 59.0% | 37th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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 | Value | 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.
21 branches in 9 counties across 1 state (+0 vs 2024) · $3.79B branch deposits. Biggest market: Gregg, TX, ranked 1st with 30.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gregg, TX | 6 | $1.67B | 30.67% | 1st |
| Smith, TX | 5 | $618.2M | 6.00% | 4th |
| Collin, TX | 2 | $544.7M | 1.25% | 16th |
| 6 more counties with Pro → | ||||
Texas: 42nd with 0.24% · Longview metro: 1st, 19.61% · Dallas-Fort Worth-Arlington metro: 52nd, 0.15% ·
Branch count: 2022 21 · 2023 21 · 2024 21 · 2025 21