| Metric | TXN Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.2 pts |
| Loan growth (YoY) | +1.2% | +5.3% | -4.2 pts |
| ROA | 0.99% | 1.28% | -0.3 pts |
| ROE | 13.0% | 12.4% | +0.6 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $669.2M | $613.0M | $330.8M | $51.2M | $3.3M | 0.99% | 3.49% | 0.49% |
| Q1 2026 | $660.2M | $605.8M | $333.5M | $50.0M | $1.6M | 0.95% | 3.46% | 0.61% |
| Q4 2025 | $650.2M | $595.9M | $339.7M | $50.2M | $4.2M | 0.66% | 3.36% | 0.63% |
| Q3 2025 | $636.7M | $585.4M | $342.1M | $47.8M | $2.8M | 0.61% | 3.28% | 0.67% |
| Q2 2025 | $631.7M | $586.4M | $327.0M | $42.0M | $963K | 0.31% | 3.19% | 0.58% |
| Q1 2025 | $619.5M | $574.5M | $314.2M | $41.8M | $120K | 0.08% | 3.07% | 0.60% |
| Q4 2024 | $611.8M | $560.9M | $309.8M | $32.8M | $3.6M | 0.56% | 2.65% | 0.42% |
| Q3 2024 | $654.2M | $548.4M | $306.8M | $40.0M | $2.2M | 0.45% | 2.53% | 0.18% |
Loan mix (Q2 2026): real estate $259.5M · commercial $40.5M · consumer $6.2M · securities $212.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TXN Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.28% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 61.2% | 71th |
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 | TXN 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 | TXN 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 | TXN 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 | TXN 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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