| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Deposit growth (YoY) | +0.7% | +4.3% | -3.7 pts |
| Loan growth (YoY) | +2.4% | +5.3% | -3.0 pts |
| ROA | 1.45% | 1.28% | +0.2 pts |
| ROE | 16.1% | 12.4% | +3.7 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $594.8M | $536.7M | $410.4M | $55.5M | $4.4M | 1.45% | 4.32% | 1.19% |
| Q1 2026 | $602.0M | $546.0M | $416.8M | $53.8M | $1.9M | 1.27% | 4.08% | 1.27% |
| Q4 2025 | $614.9M | $556.5M | $413.7M | $53.2M | $6.6M | 1.12% | 4.28% | 0.52% |
| Q3 2025 | $595.9M | $540.3M | $403.4M | $52.3M | $4.6M | 1.05% | 4.28% | 0.62% |
| Q2 2025 | $584.7M | $533.1M | $400.9M | $48.9M | $2.7M | 0.94% | 4.27% | 0.68% |
| Q1 2025 | $575.9M | $525.6M | $404.1M | $48.2M | $929K | 0.66% | 4.23% | 0.29% |
| Q4 2024 | $557.1M | $508.3M | $398.0M | $46.7M | $3.9M | 0.71% | 4.09% | 0.31% |
| Q3 2024 | $556.1M | $504.0M | $397.1M | $49.1M | $1.4M | 0.34% | 3.97% | 0.40% |
Loan mix (Q2 2026): real estate $318.4M · commercial $55.7M · consumer $18.5M · securities $103.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 12.4% | 73rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 61.2% | 58th |
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.
12 branches in 7 counties across 1 state (+0 vs 2024) · $533.1M branch deposits. Biggest market: Upshur, TX, ranked 2nd with 19.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Upshur, TX | 4 | $303.1M | 19.28% | 2nd |
| Wood, TX | 2 | $86.6M | 7.38% | 5th |
| Franklin, TX | 1 | $38.6M | 16.61% | 2nd |
| 4 more counties with Pro → | ||||
Texas: 227th with 0.03% · Longview metro: 10th, 3.30% ·
Branch count: 2022 10 · 2023 12 · 2024 12 · 2025 12