Bank19
Memphis, TX · Cert 3335 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 3 branches
Q2 2026
$147.8MAssets
$76.5MLoans
$121.8MDeposits
$25.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: return on equity trails 77% of banks under $1B in assets in TX (rank 162 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.22%
Rank 101 of 211
Net Interest Margin
4.36%
Rank 49 of 211
Efficiency Ratio
65.19%
Rank 119 of 211
Equity / Assets
17.41%
Rank 16 of 211
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 44% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.87% | 1.20% | 1.65% | Beats 52% | 101 / 211 | | |
| Return on Equity | 7.00% | 7.52% | 11.67% | 14.58% | Beats 23% | 162 / 211 | | |
| Net Interest Margin | 4.36% | 3.28% | 3.82% | 4.31% | Beats 77% | 49 / 211 | | |
| Efficiency Ratio | 65.19% | 53.01% | 64.18% | 73.65% | Beats 44% | 119 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 33.25% | 11.72% | 14.45% | 19.57% | Beats 91% | 18 / 211 | | |
| Total Risk-Based Capital Ratio | 33.97% | 11.94% | 14.78% | 20.30% | Beats 91% | 19 / 211 | | |
| Equity / Assets | 17.41% | 9.41% | 11.06% | 12.94% | Beats 92% | 16 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.83% | 45.39% | 66.56% | 82.03% | 41st pctl | 123 / 208 | | |
| Loans / Assets | 51.79% | 39.13% | 56.90% | 70.46% | 37th pctl | 133 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |