| Metric | Texas Champion Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.6 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.7 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $436.6M | $329.2M | $342.9M | $47.7M | $2.0M | 0.90% | 4.48% | 0.83% |
| Q1 2026 | $445.0M | $338.2M | $338.4M | $46.7M | $963K | 0.86% | 4.45% | 0.84% |
| Q4 2025 | $453.2M | $346.2M | $335.6M | $47.6M | $4.0M | 0.90% | 4.51% | 0.59% |
| Q3 2025 | $441.9M | $332.2M | $339.1M | $46.9M | $3.1M | 0.94% | 4.50% | 0.82% |
| Q2 2025 | $439.9M | $331.2M | $340.0M | $46.0M | $2.0M | 0.93% | 4.47% | 0.51% |
| Q1 2025 | $433.1M | $321.8M | $341.7M | $46.4M | $916K | 0.84% | 4.39% | 0.54% |
| Q4 2024 | $444.0M | $333.9M | $346.6M | $45.6M | $4.0M | 0.91% | 4.44% | 0.11% |
| Q3 2024 | $440.2M | $328.1M | $344.3M | $44.9M | $3.1M | 0.94% | 4.41% | 0.06% |
Loan mix (Q2 2026): real estate $303.9M · commercial $32.7M · consumer $4.3M · securities $23.4M
| Ratio | Texas Champion Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 62.9% | 78th |
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 Champion 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 Champion 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 Champion 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 Champion 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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