| Metric | Transpecos Banks, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +4.9% | +7.7 pts |
| Deposit growth (YoY) | +10.6% | +4.3% | +6.3 pts |
| Loan growth (YoY) | +17.5% | +5.3% | +12.2 pts |
| ROA | -1.57% | 1.28% | -2.8 pts |
| ROE | -22.6% | 12.4% | -35.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $972.1M | $872.0M | $652.8M | $65.3M | $-7.8M | -1.57% | 3.13% | 5.53% |
| Q1 2026 | $1.04B | $967.3M | $577.1M | $68.5M | $-3.9M | -1.55% | 3.00% | 4.09% |
| Q4 2025 | $964.8M | $889.1M | $603.6M | $72.9M | $2.4M | 0.27% | 3.37% | 2.64% |
| Q3 2025 | $876.5M | $801.9M | $562.6M | $72.1M | $2.0M | 0.31% | 3.37% | 2.20% |
| Q2 2025 | $862.9M | $788.6M | $555.4M | $71.7M | $3.1M | 0.71% | 3.36% | 2.67% |
| Q1 2025 | $866.4M | $792.2M | $547.3M | $71.5M | $1.5M | 0.69% | 3.77% | 2.85% |
| Q4 2024 | $857.2M | $779.4M | $552.1M | $70.2M | $3.7M | 0.45% | 3.58% | 2.17% |
| Q3 2024 | $838.9M | $758.0M | $582.3M | $73.9M | $14.0M | 2.30% | 3.55% | 1.69% |
Loan mix (Q2 2026): real estate $189.4M · commercial $407.4M · consumer $51.9M · securities $46.6M
| Ratio | Transpecos Banks, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.57% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -22.6% | 12.4% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 146.4% | 61.2% | 100th |
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 | Transpecos Banks, SSB | 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 | Transpecos Banks, SSB | 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 | Transpecos Banks, SSB | 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 | Transpecos Banks, SSB | 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.