| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +16.8% | +5.6% | +11.2 pts |
| ROA | 1.09% | 1.24% | -0.2 pts |
| ROE | 27.7% | 11.9% | +15.8 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.9M | $128.0M | $49.2M | $5.3M | $738K | 1.09% | 2.91% | 0.11% |
| Q1 2026 | $136.4M | $130.6M | $47.1M | $5.3M | $371K | 1.09% | 2.81% | 0.11% |
| Q4 2025 | $136.9M | $131.1M | $44.0M | $5.4M | $1.0M | 0.79% | 2.65% | 0.12% |
| Q3 2025 | $132.5M | $127.2M | $42.6M | $4.7M | $633K | 0.67% | 2.59% | 0.14% |
| Q2 2025 | $125.7M | $122.5M | $42.2M | $2.6M | $362K | 0.59% | 2.51% | 0.10% |
| Q1 2025 | $127.1M | $124.1M | $37.9M | $2.5M | $140K | 0.46% | 2.41% | 0.10% |
| Q4 2024 | $115.5M | $113.6M | $37.4M | $1.3M | $461K | 0.41% | 2.44% | 0.12% |
| Q3 2024 | $118.0M | $113.4M | $36.6M | $4.0M | $420K | 0.49% | 2.42% | 0.12% |
Loan mix (Q2 2026): real estate $35.9M · commercial $5.2M · consumer $2.7M · securities $62.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 27.7% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53rd |
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) · $128.0M branch deposits. Biggest market: Stonewall, TX, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stonewall, TX | 1 | $128.0M | 100.00% | 1st |
Texas: 483rd with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend down 44% 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).