R Bank
Round Rock, TX · Cert 58935 · Peer group: banks $1B-$10B in assets (n=322-328) · R Corp. Financial
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.0BAssets
$770.5MLoans
$926.1MDeposits
$93.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks $1B-$10B in assets (rank 69 of 328).
- Widest gap: efficiency ratio trails 88% of banks $1B-$10B in assets (rank 291 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.73%
Rank 274 of 328
Net Interest Margin
3.92%
Rank 69 of 328
Efficiency Ratio
75.05%
Rank 291 of 328
Equity / Assets
9.00%
Rank 253 of 328
Non-interest income vs. expense
Unfavorable gap of $29.9M · efficiency ratio beats 12% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.73% | 0.91% | 1.22% | 1.52% | Beats 16% | 274 / 328 | |
| Return on Equity | 8.15% | 8.43% | 11.45% | 14.43% | Beats 22% | 257 / 328 | |
| Net Interest Margin | 3.92% | 3.03% | 3.45% | 3.83% | Beats 79% | 69 / 328 | |
| Efficiency Ratio | 75.05% | 51.61% | 59.56% | 67.53% | Beats 12% | 291 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.24% | 0.51% | 1.03% | Beats 14% | 277 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 61% | 127 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.75% | 13.15% | 15.47% | Beats 30% | 228 / 328 | |
| Total Risk-Based Capital Ratio | 13.17% | 12.63% | 14.15% | 16.46% | Beats 34% | 218 / 328 | |
| Equity / Assets | 9.00% | 9.15% | 10.33% | 12.01% | Beats 23% | 253 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 83.20% | 76.63% | 87.92% | 95.36% | 39th pctl | 197 / 323 | |
| Loans / Assets | 74.63% | 65.18% | 74.15% | 79.98% | 52nd pctl | 159 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |