| Metric | Texas Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Deposit growth (YoY) | +5.0% | +4.3% | +0.6 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 1.20% | 1.28% | -0.1 pts |
| ROE | 11.5% | 12.4% | -1.0 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $953.9M | $824.0M | $691.7M | $101.3M | $5.7M | 1.20% | 4.40% | 0.35% |
| Q1 2026 | $953.2M | $825.3M | $677.8M | $99.5M | $2.8M | 1.20% | 4.29% | 0.28% |
| Q4 2025 | $935.7M | $810.3M | $685.0M | $96.3M | $10.3M | 1.15% | 4.28% | 0.21% |
| Q3 2025 | $930.6M | $809.1M | $666.1M | $92.4M | $7.6M | 1.14% | 4.21% | 0.20% |
| Q2 2025 | $900.8M | $785.0M | $658.7M | $86.1M | $4.9M | 1.13% | 4.12% | 0.43% |
| Q1 2025 | $857.3M | $740.4M | $645.9M | $87.5M | $1.9M | 0.90% | 4.00% | 2.16% |
| Q4 2024 | $852.5M | $728.8M | $651.7M | $85.7M | $9.9M | 1.17% | 3.90% | 0.17% |
| Q3 2024 | $865.2M | $748.3M | $634.7M | $87.4M | $7.7M | 1.23% | 3.82% | 0.11% |
Loan mix (Q2 2026): real estate $633.2M · commercial $31.9M · consumer $26.6M · securities $158.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Texas Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.28% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 61.2% | 61th |
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 | Texas 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 | Texas 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 | Texas 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 | Texas 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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