| Metric | TexasBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.5% | -2.9 pts |
| Deposit growth (YoY) | +3.5% | +5.1% | -1.5 pts |
| Loan growth (YoY) | +9.1% | +5.9% | +3.2 pts |
| ROA | 2.33% | 1.26% | +1.1 pts |
| ROE | 18.7% | 12.2% | +6.5 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.48B | $2.01B | $2.11B | $313.6M | $28.5M | 2.33% | 4.92% | 0.70% |
| Q1 2026 | $2.47B | $2.02B | $2.04B | $304.9M | $14.0M | 2.31% | 4.74% | 0.70% |
| Q4 2025 | $2.39B | $1.90B | $1.95B | $295.6M | $44.4M | 1.79% | 4.27% | 1.75% |
| Q3 2025 | $2.45B | $1.96B | $1.96B | $288.5M | $32.4M | 1.73% | 4.15% | 0.77% |
| Q2 2025 | $2.42B | $1.94B | $1.94B | $280.6M | $20.2M | 1.61% | 3.99% | 0.86% |
| Q1 2025 | $2.58B | $2.11B | $1.84B | $274.0M | $8.9M | 1.39% | 3.76% | 0.41% |
| Q4 2024 | $2.55B | $2.03B | $1.79B | $269.3M | $41.3M | 1.74% | 3.78% | 0.48% |
| Q3 2024 | $2.42B | $1.91B | $1.73B | $258.5M | $29.5M | 1.69% | 3.75% | 0.62% |
Loan mix (Q2 2026): real estate $2.06B · commercial $56.2M · consumer $8.5M · securities $83.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TexasBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 59.0% | 31th |
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 | TexasBank | 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 | TexasBank | 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 | TexasBank | 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 | TexasBank | 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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