| Metric | Triumph State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | +4.5% | +2.5% | +2.0 pts |
| Loan growth (YoY) | +7.8% | +2.6% | +5.2 pts |
| ROA | 1.56% | 0.99% | +0.6 pts |
| ROE | 12.3% | 8.1% | +4.2 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.3M | $80.0M | $63.0M | $12.1M | $728K | 1.56% | 5.13% | 3.42% |
| Q1 2026 | $94.9M | $82.0M | $63.7M | $11.8M | $394K | 1.69% | 5.27% | 2.16% |
| Q4 2025 | $92.2M | $79.4M | $63.2M | $11.7M | $963K | 1.06% | 5.15% | 3.22% |
| Q3 2025 | $86.8M | $74.6M | $55.8M | $11.3M | $517K | 0.77% | 5.12% | 5.16% |
| Q2 2025 | $89.0M | $76.6M | $58.5M | $11.5M | $725K | 1.59% | 5.41% | 0.50% |
| Q1 2025 | $93.3M | $81.3M | $58.8M | $11.1M | $366K | 1.59% | 5.39% | 0.68% |
| Q4 2024 | $90.9M | $79.0M | $62.5M | $11.1M | $1.5M | 1.60% | 5.40% | 0.37% |
| Q3 2024 | $88.1M | $76.6M | $56.9M | $10.7M | $1.1M | 1.54% | 5.39% | 0.36% |
Loan mix (Q2 2026): real estate $26.9M · commercial $12.4M · consumer $3.2M · securities $8.7M
| Ratio | Triumph State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.99% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 8.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 70.8% | 13th |
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 | Triumph State 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 | Triumph State 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 | Triumph State 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 | Triumph State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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