| Metric | Texas Traditions Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +66.1% | +4.9% | +61.2 pts |
| Deposit growth (YoY) | +74.0% | +4.3% | +69.7 pts |
| Loan growth (YoY) | +26.6% | +5.3% | +21.3 pts |
| ROA | 0.82% | 1.28% | -0.5 pts |
| ROE | 8.9% | 12.4% | -3.5 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $555.9M | $500.4M | $296.2M | $50.6M | $2.1M | 0.82% | 4.58% | 0.00% |
| Q1 2026 | $538.7M | $485.0M | $265.4M | $48.6M | $1.0M | 0.80% | 4.56% | 0.00% |
| Q4 2025 | $473.5M | $423.1M | $259.4M | $44.3M | $3.1M | 0.89% | 5.24% | 0.00% |
| Q3 2025 | $368.2M | $320.0M | $251.0M | $43.0M | $2.0M | 0.85% | 5.46% | 0.00% |
| Q2 2025 | $334.7M | $287.6M | $233.9M | $42.0M | $1.3M | 0.83% | 5.52% | 0.00% |
| Q1 2025 | $285.0M | $237.7M | $212.3M | $41.3M | $578K | 0.82% | 5.66% | 0.00% |
| Q4 2024 | $278.8M | $232.6M | $199.3M | $40.4M | $3.0M | 1.24% | 5.79% | 0.00% |
| Q3 2024 | $252.0M | $207.2M | $176.9M | $39.9M | $2.1M | 1.18% | 5.83% | 0.00% |
Loan mix (Q2 2026): real estate $240.7M · commercial $56.8M · consumer $1.5M · securities $186.9M
| Ratio | Texas Traditions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.28% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 61.2% | 77th |
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 Traditions 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 Traditions 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 Traditions 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 Traditions 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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