| Metric | ValueBank Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.7 pts |
| ROA | 1.29% | 1.24% | +0.0 pts |
| ROE | 10.7% | 11.9% | -1.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.6M | $263.0M | $164.6M | $37.0M | $2.0M | 1.29% | 4.72% | 0.00% |
| Q1 2026 | $303.0M | $262.6M | $160.4M | $36.8M | $881K | 1.16% | 4.57% | 0.00% |
| Q4 2025 | $302.5M | $262.7M | $158.5M | $36.0M | $4.7M | 1.57% | 5.01% | 0.00% |
| Q3 2025 | $305.1M | $262.8M | $156.5M | $38.2M | $3.3M | 1.46% | 4.95% | 0.00% |
| Q2 2025 | $301.4M | $261.3M | $152.0M | $36.6M | $2.2M | 1.44% | 4.92% | 0.00% |
| Q1 2025 | $300.4M | $260.9M | $150.4M | $36.0M | $1.1M | 1.46% | 4.92% | 0.04% |
| Q4 2024 | $297.2M | $259.4M | $159.8M | $34.5M | $5.3M | 1.77% | 5.14% | 0.04% |
| Q3 2024 | $305.7M | $264.5M | $156.8M | $37.3M | $4.1M | 1.80% | 5.16% | 0.00% |
Loan mix (Q2 2026): real estate $159.1M · commercial $4.4M · consumer $2.6M · securities $54.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ValueBank Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 62.9% | 67th |
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 | ValueBank Texas | 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 | ValueBank Texas | 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 | ValueBank Texas | 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 | ValueBank Texas | 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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