| Metric | The MINT National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +4.4% | -8.7 pts |
| Deposit growth (YoY) | -6.3% | +4.0% | -10.2 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 8.1% | 11.9% | -3.8 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $388.9M | $306.5M | $309.0M | $71.1M | $2.8M | 1.44% | 4.94% | 4.42% |
| Q1 2026 | $392.8M | $312.0M | $307.3M | $70.0M | $1.3M | 1.32% | 4.96% | 3.56% |
| Q4 2025 | $401.5M | $319.3M | $316.6M | $68.7M | $6.2M | 1.49% | 4.83% | 4.03% |
| Q3 2025 | $406.6M | $325.5M | $320.0M | $67.2M | $4.2M | 1.34% | 4.84% | 3.31% |
| Q2 2025 | $406.6M | $327.0M | $318.7M | $65.8M | $2.9M | 1.36% | 4.77% | 3.49% |
| Q1 2025 | $428.1M | $350.0M | $330.8M | $64.7M | $1.4M | 1.24% | 4.60% | 3.37% |
| Q4 2024 | $445.5M | $368.6M | $341.0M | $63.4M | $5.5M | 1.29% | 4.41% | 3.40% |
| Q3 2024 | $423.5M | $347.0M | $323.6M | $62.3M | $4.1M | 1.28% | 4.40% | 3.94% |
Loan mix (Q2 2026): real estate $280.0M · commercial $36.9M · consumer $171K · securities $0
| Ratio | The MINT National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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 | The MINT National Bank | 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 | The MINT National Bank | 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 | The MINT National Bank | 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 | The MINT National Bank | 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 | The MINT National Bank | 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) · $327.0M branch deposits. Biggest market: Harris, TX, ranked 54th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Harris, TX | 1 | $327.0M | 0.11% | 54th |
Texas: 297th with 0.02% · Houston-Pasadena-The Woodlands metro: 71st, 0.09% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1