| Metric | Texas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 2.54% | 1.24% | +1.3 pts |
| ROE | 20.3% | 11.9% | +8.5 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $425.5M | $354.2M | $278.4M | $54.3M | $5.4M | 2.54% | 4.62% | 0.00% |
| Q1 2026 | $423.3M | $363.3M | $271.6M | $53.3M | $2.5M | 2.36% | 4.49% | 0.00% |
| Q4 2025 | $430.3M | $361.3M | $268.7M | $52.0M | $10.1M | 2.39% | 4.37% | 0.00% |
| Q3 2025 | $425.8M | $343.4M | $259.7M | $55.5M | $7.4M | 2.34% | 4.28% | 0.00% |
| Q2 2025 | $416.2M | $337.7M | $253.6M | $51.9M | $4.8M | 2.27% | 4.22% | 0.00% |
| Q1 2025 | $416.5M | $341.1M | $250.7M | $49.0M | $2.2M | 2.08% | 4.08% | 0.00% |
| Q4 2024 | $423.4M | $339.8M | $251.6M | $45.8M | $9.2M | 2.21% | 3.90% | 0.00% |
| Q3 2024 | $407.6M | $322.9M | $240.1M | $47.4M | $6.7M | 2.16% | 3.83% | 0.00% |
Loan mix (Q2 2026): real estate $246.9M · commercial $26.5M · consumer $4.0M · securities $100.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Texas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.54% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 62.9% | 22th |
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 State 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 State 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 State 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 State 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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