| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.2 pts |
| Deposit growth (YoY) | +3.7% | +2.5% | +1.2 pts |
| Loan growth (YoY) | -3.6% | +2.6% | -6.2 pts |
| ROA | 1.73% | 0.99% | +0.7 pts |
| ROE | 18.7% | 8.1% | +10.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.4M | $71.4M | $21.2M | $7.9M | $734K | 1.73% | 4.07% | 0.02% |
| Q1 2026 | $84.8M | $76.8M | $21.4M | $8.0M | $372K | 1.70% | 3.95% | 0.02% |
| Q4 2025 | $89.9M | $82.1M | $22.4M | $7.7M | $1.5M | 1.85% | 4.54% | 0.03% |
| Q3 2025 | $77.1M | $69.1M | $22.1M | $8.0M | $1.2M | 2.00% | 4.68% | 0.04% |
| Q2 2025 | $76.9M | $68.9M | $22.0M | $8.0M | $804K | 2.05% | 4.72% | 0.05% |
| Q1 2025 | $81.3M | $73.3M | $21.8M | $7.9M | $386K | 1.95% | 4.71% | 0.05% |
| Q4 2024 | $76.8M | $69.1M | $23.4M | $7.7M | $1.7M | 2.22% | 4.95% | 0.06% |
| Q3 2024 | $75.0M | $66.5M | $26.9M | $8.4M | $1.3M | 2.28% | 4.93% | 0.07% |
Loan mix (Q2 2026): real estate $10.6M · commercial $7.4M · consumer $3.2M · securities $31.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 0.99% | 82nd | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 8.1% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 70.8% | 23rd |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $71.4M branch deposits. Biggest market: Brooks, TX, ranked 1st with 58.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brooks, TX | 1 | $71.4M | 58.02% | 1st |
Texas: 575th with 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (19 bps of assets, 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).