| Metric | TrustTexas Bank, SSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +4.4% | +6.4 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +21.1% | +5.6% | +15.5 pts |
| ROA | 0.24% | 1.24% | -1.0 pts |
| ROE | 22.0% | 11.9% | +10.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $393.5M | $384.8M | $211.3M | $5.8M | $463K | 0.24% | 2.71% | 0.36% |
| Q1 2026 | $382.9M | $376.9M | $198.0M | $3.1M | $208K | 0.22% | 2.68% | 0.34% |
| Q4 2025 | $368.5M | $361.7M | $174.6M | $3.7M | $-8.0M | -2.21% | 2.68% | 0.38% |
| Q3 2025 | $363.9M | $358.4M | $174.6M | $2.0M | $-8.1M | -2.97% | 2.67% | 0.16% |
| Q2 2025 | $355.2M | $354.7M | $174.6M | $-2.8M | $-8.3M | -4.58% | 2.59% | 0.18% |
| Q1 2025 | $353.1M | $349.6M | $175.1M | $73K | $-8.4M | -9.18% | 2.26% | 0.40% |
| Q4 2024 | $380.3M | $345.1M | $172.8M | $1.7M | $-2.9M | -0.72% | 1.96% | 0.17% |
| Q3 2024 | $388.9M | $338.7M | $169.8M | $6.5M | $-2.4M | -0.77% | 1.92% | 0.14% |
Loan mix (Q2 2026): real estate $199.8M · commercial $6.1M · consumer $1.7M · securities $86.2M
| Ratio | TrustTexas Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 62.9% | 93th |
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 | TrustTexas Bank, 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 | TrustTexas Bank, 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 | TrustTexas Bank, 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 | TrustTexas Bank, 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.