| Metric | Texas National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +18.6% | +5.6% | +13.0 pts |
| ROA | 0.38% | 1.24% | -0.9 pts |
| ROE | 5.3% | 11.9% | -6.6 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.1M | $128.1M | $42.4M | $10.3M | $267K | 0.38% | 3.08% | 0.00% |
| Q1 2026 | $141.0M | $130.6M | $36.8M | $9.7M | $122K | 0.35% | 2.94% | 0.00% |
| Q4 2025 | $139.7M | $128.7M | $36.0M | $10.3M | $783K | 0.56% | 2.71% | 0.00% |
| Q3 2025 | $140.1M | $129.4M | $35.9M | $9.8M | $562K | 0.53% | 2.63% | 0.00% |
| Q2 2025 | $138.1M | $129.9M | $35.7M | $7.4M | $191K | 0.27% | 2.55% | 0.00% |
| Q1 2025 | $140.2M | $132.2M | $34.3M | $7.2M | $69K | 0.20% | 2.47% | 0.00% |
| Q4 2024 | $142.9M | $126.9M | $37.3M | $6.1M | $115K | 0.07% | 2.08% | 0.00% |
| Q3 2024 | $147.3M | $125.5M | $37.6M | $8.5M | $68K | 0.06% | 2.02% | 0.00% |
Loan mix (Q2 2026): real estate $30.4M · commercial $7.7M · consumer $1.8M · securities $79.7M
| Ratio | Texas National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 62.9% | 93th |
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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