Texas Partners Bank
San Antonio, TX · Cert 58581 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 11 branches
Q4 2025
$2.4BAssets
$1.9BLoans
$2.2BDeposits
$221.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of banks $1B-$10B in assets (rank 24 of 284).
- Widest gap: tier 1 capital ratio trails 80% of banks $1B-$10B in assets (rank 232 of 290).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.07%
Rank 153 of 290
Net Interest Margin
3.23%
Rank 155 of 290
Efficiency Ratio
61.16%
Rank 153 of 290
Equity / Assets
9.14%
Rank 201 of 290
Non-interest income vs. expense
Unfavorable gap of $46.8M · efficiency ratio beats 48% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.82% | 1.09% | 1.41% | Beats 47% | 153 / 290 | |
| Return on Equity | 11.74% | 8.04% | 10.59% | 13.08% | Beats 60% | 115 / 290 | |
| Net Interest Margin | 3.23% | 2.87% | 3.28% | 3.78% | Beats 47% | 155 / 290 | |
| Efficiency Ratio | 61.16% | 53.76% | 60.51% | 67.14% | Beats 48% | 153 / 290 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.22% | 0.49% | 0.91% | Beats 92% | 24 / 284 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.30% | 11.52% | 13.11% | 15.22% | Beats 20% | 232 / 290 | |
| Total Risk-Based Capital Ratio | 12.41% | 12.41% | 14.01% | 16.12% | Beats 25% | 218 / 290 | |
| Equity / Assets | 9.14% | 8.94% | 10.29% | 11.70% | Beats 31% | 201 / 290 | |
| Liquidity & Funding |
| Loans / Deposits | 88.61% | 75.78% | 87.64% | 95.53% | 55th pctl | 129 / 284 | |
| Loans / Assets | 79.98% | 64.43% | 74.03% | 79.86% | 76th pctl | 67 / 284 | |
| Brokered Deposits / Deposits | 2.78% | n/a | 2.01% | 8.63% | Beats 47% | 151 / 285 | |