| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | -7.3% | +5.6% | -12.8 pts |
| ROA | 0.63% | 1.24% | -0.6 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $331.0M | $298.5M | $119.8M | $30.6M | $1.0M | 0.63% | 3.14% | 0.55% |
| Q1 2026 | $314.4M | $282.7M | $120.4M | $29.7M | $500K | 0.64% | 3.06% | 0.61% |
| Q4 2025 | $312.2M | $279.9M | $122.1M | $30.5M | $2.1M | 0.65% | 3.14% | 0.78% |
| Q3 2025 | $324.7M | $293.4M | $126.4M | $29.4M | $1.5M | 0.63% | 3.08% | 0.59% |
| Q2 2025 | $318.3M | $288.6M | $129.2M | $27.9M | $799K | 0.50% | 3.04% | 0.65% |
| Q1 2025 | $315.4M | $287.1M | $128.7M | $26.5M | $324K | 0.41% | 2.94% | 0.70% |
| Q4 2024 | $316.2M | $289.6M | $137.9M | $24.9M | $2.0M | 0.59% | 3.11% | 0.98% |
| Q3 2024 | $349.3M | $320.1M | $138.5M | $27.3M | $1.4M | 0.53% | 3.01% | 0.79% |
Loan mix (Q2 2026): real estate $73.8M · commercial $30.2M · consumer $12.9M · securities $134.7M
| Ratio | Woodlands National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 62.9% | 78th |
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 | Woodlands National 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 | Woodlands National 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 | Woodlands National 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 | Woodlands National 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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