| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +4.9% | -12.2 pts |
| Deposit growth (YoY) | -10.2% | +4.3% | -14.5 pts |
| Loan growth (YoY) | +23.2% | +5.3% | +17.9 pts |
| ROA | 1.72% | 1.28% | +0.4 pts |
| ROE | 11.2% | 12.5% | -1.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $500.3M | $420.2M | $89.5M | $78.9M | $4.3M | 1.72% | 3.21% | 0.00% |
| Q1 2026 | $504.9M | $426.7M | $79.0M | $76.6M | $2.0M | 1.62% | 3.05% | 0.00% |
| Q4 2025 | $487.1M | $411.4M | $73.0M | $74.6M | $10.0M | 1.87% | 3.38% | 0.00% |
| Q3 2025 | $548.4M | $473.9M | $73.7M | $73.5M | $7.9M | 1.94% | 3.33% | 0.02% |
| Q2 2025 | $539.7M | $467.7M | $72.6M | $70.9M | $5.3M | 1.95% | 3.35% | 0.00% |
| Q1 2025 | $554.3M | $484.6M | $67.9M | $68.0M | $2.5M | 1.81% | 3.11% | 0.00% |
| Q4 2024 | $533.6M | $467.1M | $69.3M | $65.6M | $10.4M | 2.02% | 3.55% | 0.00% |
| Q3 2024 | $521.7M | $457.2M | $71.3M | $63.6M | $8.0M | 2.08% | 3.51% | 0.01% |
Loan mix (Q2 2026): real estate $66.6M · commercial $16.2M · consumer $3.4M · securities $287.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.5% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.2% | 61.1% | 1st |
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 2 counties across 1 state (+0 vs 2025) · $420.2M branch deposits. Biggest market: Tom Green, TX, ranked 5th with 6.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tom Green, TX | 2 | $229.4M | 6.07% | 5th |
| Irion, TX | 1 | $190.8M | 100.00% | 1st |
Texas: 275th with 0.02% · San Angelo metro: 3rd, 10.58% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (14 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).