| Metric | Texas Regional Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | -0.2% | +5.1% | -5.2 pts |
| Loan growth (YoY) | +12.4% | +5.9% | +6.5 pts |
| ROA | 0.30% | 1.26% | -1.0 pts |
| ROE | 3.3% | 12.2% | -8.9 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.95B | $2.48B | $1.78B | $271.2M | $4.4M | 0.30% | 3.68% | 0.67% |
| Q1 2026 | $2.96B | $2.55B | $1.72B | $264.3M | $-95K | -0.01% | 3.59% | 0.71% |
| Q4 2025 | $2.94B | $2.61B | $1.67B | $265.7M | $15.3M | 0.54% | 3.54% | 0.10% |
| Q3 2025 | $2.94B | $2.59B | $1.60B | $254.8M | $9.4M | 0.44% | 3.50% | 0.08% |
| Q2 2025 | $2.89B | $2.49B | $1.58B | $237.9M | $4.2M | 0.30% | 3.46% | 0.08% |
| Q1 2025 | $2.79B | $2.51B | $1.49B | $238.9M | $1.6M | 0.23% | 3.30% | 0.09% |
| Q4 2024 | $2.72B | $2.45B | $1.45B | $238.9M | $8.4M | 0.31% | 3.32% | 0.09% |
| Q3 2024 | $2.72B | $2.44B | $1.41B | $241.4M | $7.8M | 0.39% | 3.27% | 0.19% |
Loan mix (Q2 2026): real estate $1.48B · commercial $254.7M · consumer $14.4M · securities $719.3M
| Ratio | Texas Regional Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 12.2% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 59.0% | 97th |
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 Regional 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 Regional 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 Regional 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 Regional 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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