| Metric | Texas First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.5% | -6.8 pts |
| Deposit growth (YoY) | -1.6% | +5.1% | -6.7 pts |
| Loan growth (YoY) | +6.3% | +5.9% | +0.4 pts |
| ROA | 1.68% | 1.26% | +0.4 pts |
| ROE | 17.2% | 12.2% | +5.0 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.35B | $2.06B | $1.32B | $228.1M | $19.8M | 1.68% | 3.95% | 0.10% |
| Q1 2026 | $2.38B | $2.10B | $1.32B | $221.7M | $9.5M | 1.61% | 3.87% | 0.09% |
| Q4 2025 | $2.36B | $2.06B | $1.28B | $240.8M | $34.4M | 1.47% | 3.71% | 0.07% |
| Q3 2025 | $2.32B | $2.02B | $1.32B | $232.1M | $24.6M | 1.41% | 3.61% | 0.09% |
| Q2 2025 | $2.38B | $2.09B | $1.25B | $221.3M | $15.8M | 1.36% | 3.50% | 0.05% |
| Q1 2025 | $2.30B | $2.03B | $1.21B | $214.9M | $6.9M | 1.19% | 3.46% | 0.04% |
| Q4 2024 | $2.30B | $2.03B | $1.22B | $206.3M | $24.9M | 1.11% | 3.21% | 0.05% |
| Q3 2024 | $2.29B | $1.99B | $1.25B | $210.2M | $17.1M | 1.03% | 3.15% | 0.02% |
Loan mix (Q2 2026): real estate $1.08B · commercial $178.6M · consumer $8.9M · securities $814.9M
| Ratio | Texas First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 12.2% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 59.0% | 48th |
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 First 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 First 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 First 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 First 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 First 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.
26 branches in 7 counties across 1 state (-1 vs 2024) · $2.09B branch deposits. Biggest market: Galveston, TX, ranked 1st with 12.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Galveston, TX | 13 | $1.14B | 12.36% | 1st |
| Harris, TX | 5 | $510.5M | 0.17% | 40th |
| Jefferson, TX | 3 | $187.1M | 3.15% | 13th |
| 4 more counties with Pro → | ||||
Texas: 72nd with 0.13% · Houston-Pasadena-The Woodlands metro: 21st, 0.53% · Beaumont-Port Arthur metro: 16th, 2.10% ·
Branch count: 2022 27 · 2023 27 · 2024 27 · 2025 26