| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +3.0% | -8.9 pts |
| Deposit growth (YoY) | -7.1% | +2.5% | -9.6 pts |
| Loan growth (YoY) | -15.4% | +2.6% | -18.0 pts |
| ROA | 0.86% | 0.99% | -0.1 pts |
| ROE | 7.3% | 8.1% | -0.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.0M | $70.5M | $7.5M | $9.5M | $350K | 0.86% | 2.25% | 0.00% |
| Q1 2026 | $82.6M | $72.9M | $7.8M | $9.7M | $176K | 0.86% | 2.27% | 0.00% |
| Q4 2025 | $81.4M | $71.6M | $8.2M | $9.8M | $564K | 0.68% | 2.19% | 0.00% |
| Q3 2025 | $80.0M | $70.3M | $8.3M | $9.7M | $577K | 0.93% | 2.40% | 0.00% |
| Q2 2025 | $85.1M | $75.9M | $8.9M | $9.2M | $266K | 0.63% | 2.11% | 0.00% |
| Q1 2025 | $85.0M | $76.0M | $8.8M | $9.0M | $128K | 0.61% | 2.09% | 0.00% |
| Q4 2024 | $82.0M | $73.4M | $9.4M | $8.5M | $314K | 0.35% | 1.78% | 0.00% |
| Q3 2024 | $84.0M | $75.1M | $9.1M | $8.8M | $253K | 0.37% | 1.78% | 0.00% |
Loan mix (Q2 2026): real estate $3.8M · commercial $1.6M · consumer $1.8M · securities $58.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.99% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 70.8% | 40th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jan 20, 2026 | Target | USV Bank, National Association | Acquisition | Withdrawn | OCC |
| Jan 20, 2026 | Target | USV Bancorp, Inc. | Acquisition | Withdrawn | Federal Reserve |
Technology spend down 88% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $70.5M branch deposits. Biggest market: San Saba, TX, ranked 1st with 35.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Saba, TX | 1 | $70.5M | 35.00% | 1st |
Texas: 578th with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1