| Metric | Texas Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +44.2% | +4.4% | +39.8 pts |
| Deposit growth (YoY) | +45.9% | +4.0% | +41.9 pts |
| Loan growth (YoY) | +70.3% | +5.6% | +64.8 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 2.4% | 11.9% | -9.5 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $264.6M | $223.6M | $146.9M | $36.4M | $416K | 0.33% | 4.85% | 0.56% |
| Q1 2026 | $260.8M | $222.1M | $132.6M | $34.5M | $186K | 0.30% | 4.85% | 0.00% |
| Q4 2025 | $234.6M | $195.3M | $115.8M | $34.8M | $1.9M | 1.01% | 5.39% | 0.01% |
| Q3 2025 | $217.3M | $179.3M | $91.9M | $34.3M | $1.7M | 1.26% | 5.49% | 0.00% |
| Q2 2025 | $183.5M | $153.3M | $86.2M | $26.3M | $1.1M | 1.32% | 5.44% | 0.00% |
| Q1 2025 | $159.7M | $133.1M | $58.0M | $24.4M | $639K | 1.59% | 5.49% | 0.00% |
| Q4 2024 | $161.9M | $136.0M | $54.4M | $23.8M | $1.4M | 0.98% | 4.30% | 0.00% |
| Q3 2024 | $142.3M | $116.5M | $38.6M | $23.7M | $836K | 0.83% | 3.60% | 0.00% |
Loan mix (Q2 2026): real estate $108.1M · commercial $31.7M · consumer $1.1M · securities $54.8M
| Ratio | Texas Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 62.9% | 83th |
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 Financial 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 Financial 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 Financial 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 Financial 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.