| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +3.0% | +8.7 pts |
| Deposit growth (YoY) | +13.3% | +2.5% | +10.8 pts |
| Loan growth (YoY) | +37.6% | +2.6% | +35.0 pts |
| ROA | -0.63% | 0.99% | -1.6 pts |
| ROE | -5.8% | 8.1% | -13.9 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $53.5M | $47.2M | $29.4M | $5.6M | $-165K | -0.63% | 3.94% | 0.06% |
| Q1 2026 | $50.3M | $44.1M | $24.3M | $5.6M | $-84K | -0.65% | 4.02% | 0.12% |
| Q4 2025 | $52.3M | $45.8M | $23.8M | $5.8M | $-550K | -1.13% | 3.64% | 0.07% |
| Q3 2025 | $49.1M | $42.7M | $23.2M | $5.9M | $-394K | -1.10% | 3.68% | 0.08% |
| Q2 2025 | $47.9M | $41.7M | $21.4M | $5.7M | $-253K | -1.07% | 3.68% | 0.02% |
| Q1 2025 | $47.1M | $41.3M | $20.0M | $5.7M | $-122K | -1.04% | 3.60% | 0.02% |
| Q4 2024 | $46.9M | $41.2M | $18.8M | $5.6M | $-730K | -1.60% | 3.02% | 0.01% |
| Q3 2024 | $47.2M | $40.7M | $15.3M | $6.5M | $-368K | -1.08% | 2.84% | 0.01% |
Loan mix (Q2 2026): real estate $19.2M · commercial $8.4M · consumer $344K · securities $16.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.63% | 0.99% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 8.1% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.4% | 70.8% | 92nd |
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 2024) · $41.7M branch deposits. Biggest market: Williamson, TX, ranked 43rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Williamson, TX | 1 | $41.7M | 0.23% | 43rd |
Texas: 631st with 0.00% · Austin-Round Rock-San Marcos metro: 78th, 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1