Broadstreet Bank, SSB
Mineola, TX · Cert 28868 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Community Bancshares Inc.
SI · FDIC · 7 branches
Q2 2026
$442.8MAssets
$317.7MLoans
$343.4MDeposits
$49.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 58% of banks under $1B in assets in TX (rank 88 of 208).
- Widest gap: net interest margin trails 75% of banks under $1B in assets in TX (rank 158 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.92%
Rank 155 of 211
Net Interest Margin
3.28%
Rank 158 of 211
Efficiency Ratio
70.63%
Rank 147 of 211
Equity / Assets
11.25%
Rank 101 of 211
Non-interest income vs. expense
Unfavorable gap of $9.3M · efficiency ratio beats 31% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.87% | 1.20% | 1.65% | Beats 27% | 155 / 211 | |
| Return on Equity | 8.19% | 7.52% | 11.67% | 14.58% | Beats 30% | 148 / 211 | |
| Net Interest Margin | 3.28% | 3.28% | 3.82% | 4.31% | Beats 25% | 158 / 211 | |
| Efficiency Ratio | 70.63% | 53.01% | 64.18% | 73.65% | Beats 31% | 147 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.01% | 0.30% | 1.10% | Beats 43% | 119 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 58% | 88 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.13% | 11.72% | 14.45% | 19.57% | Beats 29% | 149 / 211 | |
| Total Risk-Based Capital Ratio | 12.13% | 11.94% | 14.78% | 20.30% | Beats 29% | 150 / 211 | |
| Equity / Assets | 11.25% | 9.41% | 11.06% | 12.94% | Beats 52% | 101 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 92.49% | 45.39% | 66.56% | 82.03% | 93rd pctl | 15 / 208 | |
| Loans / Assets | 71.73% | 39.13% | 56.90% | 70.46% | 78th pctl | 46 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |