| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.9% | -2.1 pts |
| Deposit growth (YoY) | +1.7% | +4.3% | -2.6 pts |
| Loan growth (YoY) | -3.6% | +5.3% | -8.9 pts |
| ROA | 2.03% | 1.28% | +0.8 pts |
| ROE | 12.8% | 12.4% | +0.4 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $597.1M | $498.0M | $136.0M | $97.6M | $6.1M | 2.03% | 3.41% | 0.77% |
| Q1 2026 | $598.1M | $501.2M | $136.3M | $94.5M | $3.0M | 2.01% | 3.43% | 0.88% |
| Q4 2025 | $591.3M | $498.2M | $138.0M | $91.5M | $12.1M | 2.06% | 3.55% | 0.77% |
| Q3 2025 | $582.6M | $489.5M | $140.5M | $91.6M | $9.6M | 2.19% | 3.55% | 0.78% |
| Q2 2025 | $581.0M | $489.6M | $141.0M | $90.1M | $6.7M | 2.28% | 3.57% | 0.64% |
| Q1 2025 | $595.0M | $506.0M | $139.1M | $86.8M | $3.3M | 2.25% | 3.60% | 0.67% |
| Q4 2024 | $588.1M | $503.4M | $142.8M | $83.4M | $13.2M | 2.28% | 3.92% | 0.57% |
| Q3 2024 | $573.2M | $488.5M | $159.0M | $83.2M | $10.5M | 2.43% | 3.97% | 0.58% |
Loan mix (Q2 2026): real estate $116.1M · commercial $7.4M · consumer $11.7M · securities $301.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.03% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.6% | 61.2% | 1st |
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.
3 branches in 2 counties across 1 state (+0 vs 2024) · $489.6M branch deposits. Biggest market: Karnes, TX, ranked 2nd with 37.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Karnes, TX | 1 | $383.2M | 37.46% | 2nd |
| Wilson, TX | 2 | $106.5M | 11.03% | 4th |
Texas: 235th with 0.03% · San Antonio-New Braunfels metro: 49th, 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3