| Metric | 42 North Private Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.4% | -6.8 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.2 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | -3.86% | 1.24% | -5.1 pts |
| ROE | -47.6% | 11.9% | -59.4 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.2M | $144.4M | $156.6M | $13.8M | $-3.4M | -3.86% | 1.03% | 0.02% |
| Q1 2026 | $176.4M | $134.3M | $148.7M | $15.5M | $-1.8M | -4.00% | 1.18% | 0.03% |
| Q4 2025 | $177.9M | $135.3M | $148.9M | $14.2M | $-5.5M | -2.88% | 2.00% | 0.03% |
| Q3 2025 | $177.0M | $132.8M | $149.0M | $15.7M | $-4.0M | -2.74% | 2.11% | 0.09% |
| Q2 2025 | $186.7M | $136.0M | $152.6M | $17.1M | $-2.7M | -2.63% | 2.29% | 0.03% |
| Q1 2025 | $211.2M | $153.6M | $163.7M | $18.5M | $-998K | -1.90% | 2.76% | 0.51% |
| Q4 2024 | $209.9M | $151.2M | $171.2M | $19.5M | $-4.3M | -1.91% | 1.34% | 0.83% |
| Q3 2024 | $217.2M | $153.8M | $178.3M | $20.8M | $-3.0M | -1.76% | 1.33% | 0.03% |
Loan mix (Q2 2026): real estate $142.6M · commercial $4.5M · consumer $11.4M · securities $0
| Ratio | 42 North Private Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.86% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -47.6% | 11.9% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 481.6% | 62.9% | 100th |
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 | 42 North Private 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 | 42 North Private 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 | 42 North Private 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 | 42 North Private Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.