| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.4 pts |
| Loan growth (YoY) | -3.4% | +5.6% | -9.0 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.1M | $147.4M | $55.3M | $17.8M | $1.1M | 1.38% | 3.62% | 0.57% |
| Q1 2026 | $167.9M | $148.9M | $51.2M | $17.3M | $553K | 1.36% | 3.59% | 0.70% |
| Q4 2025 | $156.5M | $138.0M | $61.2M | $16.8M | $2.3M | 1.53% | 4.19% | 0.62% |
| Q3 2025 | $151.9M | $133.6M | $60.7M | $16.4M | $1.6M | 1.43% | 4.23% | 0.67% |
| Q2 2025 | $150.1M | $132.5M | $57.2M | $15.8M | $1.0M | 1.40% | 4.20% | 0.81% |
| Q1 2025 | $145.0M | $128.0M | $60.4M | $15.2M | $398K | 1.11% | 4.24% | 0.80% |
| Q4 2024 | $142.0M | $125.4M | $62.0M | $14.8M | $2.2M | 1.57% | 4.51% | 1.04% |
| Q3 2024 | $137.9M | $121.7M | $63.0M | $14.4M | $1.5M | 1.47% | 4.52% | 0.72% |
Loan mix (Q2 2026): real estate $13.7M · commercial $4.9M · consumer $6.1M · securities $29.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 62.9% | 15th |
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) · $147.4M branch deposits. Biggest market: Briscoe, TX, ranked 1st with 79.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Briscoe, TX | 2 | $116.9M | 79.09% | 1st |
| Swisher, TX | 1 | $30.5M | 13.56% | 4th |
Texas: 461st with 0.01% ·
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (29 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).