| Metric | Texas National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.1% | +5.5% | +18.6 pts |
| Deposit growth (YoY) | +25.7% | +5.1% | +20.6 pts |
| Loan growth (YoY) | +13.0% | +5.9% | +7.1 pts |
| ROA | 1.16% | 1.26% | -0.1 pts |
| ROE | 12.3% | 12.2% | +0.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.07B | $747.1M | $114.9M | $6.9M | 1.16% | 4.50% | 0.24% |
| Q1 2026 | $1.17B | $1.03B | $731.8M | $112.8M | $3.3M | 1.13% | 4.51% | 0.25% |
| Q4 2025 | $1.18B | $1.01B | $725.9M | $110.6M | $14.4M | 1.41% | 4.59% | 0.25% |
| Q3 2025 | $1.04B | $910.0M | $679.4M | $102.4M | $10.2M | 1.38% | 4.61% | 0.35% |
| Q2 2025 | $980.1M | $851.3M | $661.0M | $97.4M | $6.6M | 1.37% | 4.55% | 0.31% |
| Q1 2025 | $969.4M | $844.0M | $635.1M | $94.0M | $3.2M | 1.33% | 4.41% | 0.36% |
| Q4 2024 | $955.5M | $803.8M | $618.6M | $89.2M | $8.6M | 0.98% | 4.29% | 0.44% |
| Q3 2024 | $902.9M | $767.4M | $610.8M | $88.7M | $6.2M | 0.96% | 4.14% | 0.50% |
Loan mix (Q2 2026): real estate $604.7M · commercial $111.2M · consumer $12.1M · securities $257.9M
| Ratio | Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.26% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 59.0% | 68th |
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 National 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 National 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 National 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 National 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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