| Metric | Truxton Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +5.5% | +4.3 pts |
| Deposit growth (YoY) | +7.3% | +5.1% | +2.2 pts |
| Loan growth (YoY) | +16.2% | +5.9% | +10.3 pts |
| ROA | 1.98% | 1.26% | +0.7 pts |
| ROE | 23.4% | 12.2% | +11.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.37B | $1.13B | $796.3M | $120.8M | $13.7M | 1.98% | 3.12% | 0.01% |
| Q1 2026 | $1.37B | $1.19B | $800.4M | $116.1M | $6.8M | 1.95% | 3.13% | 0.01% |
| Q4 2025 | $1.41B | $1.24B | $806.1M | $113.2M | $21.6M | 1.76% | 2.94% | 0.01% |
| Q3 2025 | $1.31B | $1.16B | $713.7M | $108.4M | $16.1M | 1.82% | 2.94% | 0.01% |
| Q2 2025 | $1.24B | $1.05B | $685.4M | $103.3M | $10.4M | 1.82% | 2.94% | 0.00% |
| Q1 2025 | $1.19B | $1.03B | $695.0M | $100.7M | $5.0M | 1.82% | 2.91% | 0.00% |
| Q4 2024 | $989.6M | $866.5M | $663.5M | $98.4M | $18.9M | 1.91% | 2.90% | 0.00% |
| Q3 2024 | $1.03B | $896.5M | $658.3M | $99.5M | $13.8M | 1.86% | 2.83% | 0.00% |
Loan mix (Q2 2026): real estate $665.4M · commercial $91.1M · consumer $35.7M · securities $491.8M
| Ratio | Truxton Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.26% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.4% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 59.0% | 22th |
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 | Truxton Trust Company | 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 | Truxton Trust Company | 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 | Truxton Trust Company | 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 | Truxton Trust Company | 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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