| Metric | TriStar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.9% | +5.0 pts |
| Deposit growth (YoY) | +10.2% | +4.3% | +5.8 pts |
| Loan growth (YoY) | +1.7% | +5.3% | -3.7 pts |
| ROA | 0.83% | 1.28% | -0.4 pts |
| ROE | 10.1% | 12.4% | -2.3 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.7M | $466.3M | $371.5M | $46.8M | $2.3M | 0.83% | 3.60% | 0.59% |
| Q1 2026 | $555.2M | $479.6M | $371.1M | $44.2M | $1.1M | 0.81% | 3.53% | 0.64% |
| Q4 2025 | $539.5M | $459.7M | $380.1M | $45.1M | $4.2M | 0.82% | 3.74% | 0.59% |
| Q3 2025 | $525.4M | $445.1M | $369.6M | $42.9M | $3.2M | 0.83% | 3.76% | 0.62% |
| Q2 2025 | $512.2M | $423.2M | $365.4M | $40.1M | $2.1M | 0.84% | 3.77% | 0.29% |
| Q1 2025 | $505.5M | $419.6M | $370.8M | $39.5M | $1.1M | 0.85% | 3.72% | 0.09% |
| Q4 2024 | $492.9M | $406.7M | $360.6M | $38.2M | $3.7M | 0.76% | 3.56% | 0.03% |
| Q3 2024 | $496.8M | $401.5M | $354.5M | $39.9M | $2.8M | 0.77% | 3.52% | 0.23% |
Loan mix (Q2 2026): real estate $314.2M · commercial $27.4M · consumer $10.1M · securities $136.8M
| Ratio | TriStar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.4% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 61.2% | 80th |
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 | TriStar 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 | TriStar 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 | TriStar 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 | TriStar 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.