| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.1M | $218.4M | $44.9M | $21.6M | $2.1M | 1.67% | 2.95% | 0.00% |
| Q1 2026 | $259.1M | $237.0M | $42.1M | $22.0M | $1.1M | 1.68% | 2.93% | 0.00% |
| Q4 2025 | $245.3M | $223.9M | $40.6M | $21.3M | $3.4M | 1.47% | 2.84% | 0.00% |
| Q3 2025 | $241.4M | $221.2M | $43.3M | $19.9M | $2.5M | 1.46% | 2.82% | 0.00% |
| Q2 2025 | $226.0M | $210.4M | $43.6M | $15.5M | $1.6M | 1.43% | 2.82% | 0.00% |
| Q1 2025 | $226.9M | $212.1M | $43.7M | $14.6M | $810K | 1.43% | 2.87% | 0.00% |
| Q4 2024 | $226.0M | $214.9M | $38.4M | $11.1M | $3.0M | 1.28% | 2.58% | 0.00% |
| Q3 2024 | $226.1M | $211.0M | $37.2M | $14.9M | $2.2M | 1.28% | 2.51% | 0.00% |
Loan mix (Q2 2026): real estate $24.1M · commercial $8.5M · consumer $4.5M · securities $188.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 62.9% | 7th |
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.
The First National Bank of Sterling City is in an open deal as the target: Horwood Family Control Group to take control of Sterling City Bancshares, Inc. (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 21, 2026 | Target | Horwood Family Control Group | Change in control | Approved | Federal Reserve |
| Feb 26, 2026 | Target | Reed Stewart, Danny Stewart, LeRuth Stewart, Ronda Stewart, Rope Stewart, and Ri… | Change in control | Completed | Federal Reserve |
| Jan 3, 2026 | Target | Reed Stewart, individually, and with Danny Stewart, LeRuth Stewart, Ronda Stewar… | Change in control | Pending | Federal Reserve |
3 branches in 3 counties across 1 state (+0 vs 2025) · $218.4M branch deposits. Biggest market: Sterling, TX, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sterling, TX | 1 | $102.9M | 100.00% | 1st |
| Glasscock, TX | 1 | $93.5M | 100.00% | 1st |
| Coke, TX | 1 | $22.0M | 37.21% | 2nd |
Texas: 390th with 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend down 47% in 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).