| Metric | Texas Exchange Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.5% | +5.5% | +37.1 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -3.0 pts |
| Loan growth (YoY) | -23.7% | +6.0% | -29.7 pts |
| ROA | 0.43% | 1.26% | -0.8 pts |
| ROE | 5.0% | 12.2% | -7.2 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.49B | $2.64B | $683.6M | $368.9M | $9.4M | 0.43% | 1.48% | 0.00% |
| Q1 2026 | $4.27B | $2.58B | $678.1M | $388.7M | $15.3M | 1.39% | 1.58% | 0.00% |
| Q4 2025 | $4.50B | $2.60B | $942.0M | $385.6M | $31.0M | 0.77% | 2.80% | 0.00% |
| Q3 2025 | $4.64B | $2.73B | $906.6M | $376.2M | $20.3M | 0.69% | 3.00% | 0.00% |
| Q2 2025 | $3.15B | $2.59B | $896.0M | $404.0M | $30.6M | 1.68% | 3.25% | 0.00% |
| Q1 2025 | $3.33B | $2.74B | $972.2M | $393.5M | $21.1M | 2.17% | 3.01% | 0.31% |
| Q4 2024 | $4.43B | $2.73B | $1.17B | $386.7M | $149.3M | 4.10% | 4.53% | 0.34% |
| Q3 2024 | $4.30B | $2.55B | $1.15B | $414.3M | $121.8M | 4.72% | 5.07% | 0.35% |
Loan mix (Q2 2026): real estate $94.2M · commercial $599.0M · consumer $1K · securities $601.6M
| Ratio | Texas Exchange Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.26% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 12.2% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.48% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.2% | 59.0% | 99th |
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 Exchange 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 Exchange Bank | 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 | Texas Exchange 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 Exchange 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 Exchange Bank | 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.
2 branches in 1 county across 1 state (+0 vs 2025) · $2.64B branch deposits. Biggest market: Tarrant, TX, ranked 7th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tarrant, TX | 2 | $2.64B | 3.34% | 7th |
Texas: 63rd with 0.15% · Dallas-Fort Worth-Arlington metro: 28th, 0.35% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).