| Metric | Texas Security Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.2% | +5.5% | +9.8 pts |
| Deposit growth (YoY) | +17.4% | +5.1% | +12.3 pts |
| Loan growth (YoY) | +13.2% | +5.9% | +7.3 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 12.9% | 12.2% | +0.8 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.38B | $1.19B | $1.01B | $119.5M | $7.5M | 1.10% | 3.67% | 0.30% |
| Q1 2026 | $1.37B | $1.12B | $996.8M | $115.2M | $3.5M | 1.03% | 3.57% | 0.00% |
| Q4 2025 | $1.35B | $1.22B | $927.6M | $113.1M | $13.5M | 1.11% | 3.36% | 0.00% |
| Q3 2025 | $1.23B | $1.07B | $918.4M | $106.1M | $8.3M | 0.93% | 3.34% | 0.01% |
| Q2 2025 | $1.19B | $1.01B | $891.0M | $100.1M | $4.9M | 0.84% | 3.25% | 0.07% |
| Q1 2025 | $1.16B | $1.00B | $850.8M | $97.9M | $2.5M | 0.87% | 3.22% | 0.00% |
| Q4 2024 | $1.16B | $1.06B | $850.8M | $94.8M | $9.4M | 0.80% | 2.94% | 0.00% |
| Q3 2024 | $1.20B | $941.2M | $867.4M | $95.7M | $5.9M | 0.66% | 2.90% | 0.00% |
Loan mix (Q2 2026): real estate $841.1M · commercial $178.0M · consumer $1.4M · securities $205.8M
| Ratio | Texas Security Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 12.2% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 59.0% | 44th |
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 Security 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 Security 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 Security 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 Security 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.