| Metric | West Texas State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.4% | +4.4% | +23.1 pts |
| Deposit growth (YoY) | +28.5% | +4.0% | +24.6 pts |
| Loan growth (YoY) | +26.7% | +5.6% | +21.1 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $443.7M | $396.5M | $298.3M | $45.0M | $3.7M | 1.81% | 4.67% | 1.93% |
| Q1 2026 | $407.2M | $359.8M | $259.9M | $43.6M | $1.9M | 1.90% | 4.50% | 1.93% |
| Q4 2025 | $380.9M | $335.1M | $243.2M | $42.3M | $8.2M | 2.38% | 5.01% | 1.00% |
| Q3 2025 | $363.9M | $320.0M | $234.4M | $39.9M | $6.0M | 2.38% | 5.03% | 1.78% |
| Q2 2025 | $348.2M | $308.5M | $235.5M | $36.5M | $3.9M | 2.38% | 5.09% | 2.17% |
| Q1 2025 | $310.6M | $273.0M | $213.4M | $36.0M | $2.1M | 2.67% | 5.06% | 1.17% |
| Q4 2024 | $320.0M | $283.0M | $211.9M | $34.7M | $7.2M | 2.42% | 5.16% | 1.12% |
| Q3 2024 | $305.9M | $268.8M | $206.0M | $34.4M | $5.0M | 2.25% | 5.11% | 1.21% |
Loan mix (Q2 2026): real estate $151.2M · commercial $144.3M · consumer $1.7M · securities $64.7M
| Ratio | West Texas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.4% | 62.9% | 19th |
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 | West Texas 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 | West Texas State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | West Texas 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 | West Texas 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 | West Texas State Bank | 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.
4 branches in 4 counties across 1 state (+0 vs 2024) · $308.5M branch deposits. Biggest market: Scurry, TX, ranked 1st with 39.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Scurry, TX | 1 | $221.9M | 39.75% | 1st |
| Ector, TX | 1 | $50.6M | 1.10% | 20th |
| Runnels, TX | 1 | $24.8M | 7.53% | 5th |
| 1 more county with Pro → | ||||
Texas: 309th with 0.02% · Odessa metro: 20th, 1.10% · Lubbock metro: 37th, 0.09% ·
Branch count: 2022 2 · 2023 3 · 2024 4 · 2025 4