| Metric | 1NB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +22.7% | +5.6% | +17.1 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $319.0M | $260.1M | $212.1M | $30.1M | $1.7M | 1.08% | 3.38% | 0.05% |
| Q1 2026 | $308.5M | $258.3M | $201.0M | $28.8M | $710K | 0.92% | 3.32% | 0.24% |
| Q4 2025 | $306.6M | $256.7M | $192.9M | $28.8M | $3.0M | 1.01% | 2.95% | 0.31% |
| Q3 2025 | $303.5M | $254.8M | $182.1M | $28.1M | $2.0M | 0.90% | 2.88% | 0.22% |
| Q2 2025 | $293.1M | $248.2M | $172.9M | $26.4M | $1.2M | 0.81% | 2.80% | 0.20% |
| Q1 2025 | $293.4M | $251.8M | $163.8M | $25.1M | $540K | 0.73% | 2.68% | 0.21% |
| Q4 2024 | $300.9M | $250.9M | $168.8M | $23.9M | $2.0M | 0.69% | 2.42% | 0.12% |
| Q3 2024 | $301.0M | $254.5M | $158.3M | $25.2M | $1.6M | 0.72% | 2.36% | 0.13% |
Loan mix (Q2 2026): real estate $166.9M · commercial $25.5M · consumer $7.6M · securities $85.5M
| Ratio | 1NB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 22th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 1NB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 1NB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 1NB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 1NB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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