| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +4.4% | +5.2 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.4 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 9.4% | 11.9% | -2.4 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.0M | $88.3M | $25.3M | $13.1M | $602K | 1.21% | 3.27% | 0.12% |
| Q1 2026 | $99.3M | $86.2M | $25.6M | $12.5M | $308K | 1.26% | 3.25% | 0.02% |
| Q4 2025 | $96.6M | $83.3M | $26.4M | $12.7M | $1.5M | 1.61% | 3.29% | 0.47% |
| Q3 2025 | $92.1M | $78.5M | $26.6M | $12.9M | $1.1M | 1.60% | 3.17% | 0.14% |
| Q2 2025 | $93.1M | $80.8M | $26.1M | $11.8M | $546K | 1.19% | 3.08% | 0.14% |
| Q1 2025 | $92.6M | $80.4M | $26.0M | $11.5M | $315K | 1.38% | 3.01% | 0.02% |
| Q4 2024 | $89.9M | $78.7M | $26.5M | $10.6M | $811K | 0.95% | 3.02% | 0.16% |
| Q3 2024 | $83.2M | $70.6M | $26.8M | $12.0M | $547K | 0.86% | 2.92% | 0.18% |
Loan mix (Q2 2026): real estate $13.6M · commercial $1.3M · consumer $8.6M · securities $62.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 62.9% | 66th |
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) · $88.3M branch deposits. Biggest market: Jim Hogg, TX, ranked 1st with 69.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jim Hogg, TX | 1 | $88.3M | 69.19% | 1st |
Texas: 541st with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 2.0× the peer median on technology. 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).