| Metric | Texas Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +5.5% | -0.7 pts |
| Deposit growth (YoY) | +6.5% | +5.1% | +1.4 pts |
| Loan growth (YoY) | +2.9% | +5.9% | -3.1 pts |
| ROA | 2.03% | 1.26% | +0.8 pts |
| ROE | 16.4% | 12.2% | +4.2 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.20B | $1.92B | $1.12B | $275.8M | $22.5M | 2.03% | 4.15% | 0.11% |
| Q1 2026 | $2.24B | $1.95B | $1.09B | $278.2M | $11.3M | 2.03% | 4.10% | 0.09% |
| Q4 2025 | $2.20B | $1.92B | $1.10B | $270.0M | $49.5M | 2.34% | 4.49% | 0.04% |
| Q3 2025 | $2.16B | $1.85B | $1.13B | $296.8M | $36.6M | 2.33% | 4.54% | 0.05% |
| Q2 2025 | $2.10B | $1.80B | $1.09B | $292.9M | $24.3M | 2.34% | 4.54% | 0.03% |
| Q1 2025 | $2.04B | $1.74B | $1.11B | $290.6M | $12.1M | 2.34% | 4.51% | 0.05% |
| Q4 2024 | $2.09B | $1.80B | $1.08B | $276.3M | $48.0M | 2.42% | 4.74% | 0.01% |
| Q3 2024 | $1.98B | $1.70B | $1.03B | $267.9M | $36.2M | 2.46% | 4.79% | 0.02% |
Loan mix (Q2 2026): real estate $980.0M · commercial $143.9M · consumer $16.3M · securities $779.1M
| Ratio | Texas Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.9% | 59.0% | 9th |
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 Community 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 Community 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 Community 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 Community 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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