Industry State Bank
Industry, TX · Cert 12506 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=24)
FDIC · 5 branches
Q2 2025
$641.2MAssets
$182.8MLoans
$631.7MDeposits
$-2889KEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 63% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 24).
- Widest gap: return on assets trails 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 24 of 24).
- Overall: at or above the peer median on 3 of 8 directional measures.
Return on Assets
-1.82%
Rank 24 of 24
Net Interest Margin
1.53%
Rank 22 of 24
Efficiency Ratio
64.42%
Rank 10 of 24
Equity / Assets
-0.45%
Rank 23 of 24
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 62% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.82% | 0.59% | 1.00% | 1.43% | Beats 0% | 24 / 24 | |
| Return on Equity | n/a | Not reported for this institution |
| Net Interest Margin | 1.53% | 2.91% | 3.63% | 4.51% | Beats 8% | 22 / 24 | |
| Efficiency Ratio | 64.42% | 58.88% | 67.83% | 80.72% | Beats 62% | 10 / 24 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.00% | 0.09% | 1.33% | Beats 29% | 18 / 24 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.08% | Beats 37% | 16 / 24 | |
| Capital |
| Tier 1 Capital Ratio | 17.66% | 13.46% | 16.18% | 19.15% | Beats 63% | 9 / 24 | |
| Total Risk-Based Capital Ratio | 17.66% | 13.54% | 16.18% | 20.41% | Beats 58% | 10 / 24 | |
| Equity / Assets | -0.45% | 9.01% | 11.59% | 13.53% | Beats 4% | 23 / 24 | |
| Liquidity & Funding |
| Loans / Deposits | 28.93% | 56.20% | 79.01% | 94.18% | 4th pctl | 23 / 24 | |
| Loans / Assets | 28.50% | 49.29% | 69.55% | 77.80% | 4th pctl | 23 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |