| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | -4.2% | +5.6% | -9.7 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $275.3M | $244.9M | $150.8M | $28.0M | $2.1M | 1.54% | 4.29% | 0.02% |
| Q1 2026 | $275.9M | $246.2M | $162.8M | $27.9M | $1.1M | 1.53% | 4.31% | 0.02% |
| Q4 2025 | $274.3M | $245.1M | $146.7M | $27.5M | $4.3M | 1.64% | 4.15% | 0.02% |
| Q3 2025 | $267.1M | $238.5M | $155.8M | $26.8M | $3.2M | 1.62% | 4.18% | 0.02% |
| Q2 2025 | $260.8M | $233.7M | $157.3M | $25.6M | $2.1M | 1.61% | 4.15% | 0.03% |
| Q1 2025 | $257.3M | $231.0M | $160.5M | $24.9M | $1.0M | 1.57% | 3.98% | 0.03% |
| Q4 2024 | $263.7M | $238.4M | $165.4M | $24.0M | $4.5M | 1.76% | 4.18% | 0.03% |
| Q3 2024 | $259.6M | $233.1M | $161.8M | $24.7M | $3.3M | 1.72% | 4.16% | 0.03% |
Loan mix (Q2 2026): real estate $123.7M · commercial $22.9M · consumer $1.7M · securities $56.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 62.9% | 61st |
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 3 counties across 1 state (+0 vs 2024) · $233.7M branch deposits. Biggest market: Tom Green, TX, ranked 9th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tom Green, TX | 1 | $133.6M | 3.57% | 9th |
| Runnels, TX | 1 | $100.2M | 30.38% | 2nd |
| Tarrant, TX | 1 | $0 | 0.00% | 102nd |
Texas: 363rd with 0.01% · San Angelo metro: 9th, 3.40% · Dallas-Fort Worth-Arlington metro: 257th, 0.00% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3