| Metric | Adelphi Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.1% | +4.4% | +37.7 pts |
| Deposit growth (YoY) | +54.8% | +4.0% | +50.8 pts |
| Loan growth (YoY) | +44.6% | +5.6% | +39.0 pts |
| ROA | 0.13% | 1.24% | -1.1 pts |
| ROE | 0.8% | 11.9% | -11.1 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.5M | $104.2M | $97.1M | $18.9M | $74K | 0.13% | 4.69% | 0.00% |
| Q1 2026 | $117.0M | $96.9M | $92.7M | $18.8M | $43K | 0.15% | 4.83% | 0.00% |
| Q4 2025 | $106.4M | $86.2M | $86.3M | $18.8M | $-1.1M | -1.21% | 5.06% | 0.00% |
| Q3 2025 | $93.8M | $73.8M | $73.7M | $18.8M | $-903K | -1.47% | 5.16% | 0.00% |
| Q2 2025 | $87.6M | $67.4M | $67.2M | $18.9M | $-745K | -1.91% | 5.18% | 0.00% |
| Q1 2025 | $77.7M | $57.2M | $60.0M | $19.1M | $-474K | -2.60% | 5.20% | 0.00% |
| Q4 2024 | $68.2M | $47.7M | $51.0M | $19.5M | $-1.7M | -3.08% | 5.66% | 0.00% |
| Q3 2024 | $63.3M | $42.2M | $38.2M | $19.7M | $-1.4M | -3.56% | 5.78% | 0.00% |
Loan mix (Q2 2026): real estate $71.4M · commercial $23.9M · consumer $3.6M · securities $3.9M
| Ratio | Adelphi Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 11.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.9% | 62.9% | 94th |
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 | Adelphi 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 | Adelphi 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 | Adelphi 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 | Adelphi 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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