| Metric | Adrian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 2.63% | 1.24% | +1.4 pts |
| ROE | 24.7% | 11.9% | +12.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.6M | $172.7M | $131.6M | $21.7M | $2.5M | 2.63% | 4.81% | 0.40% |
| Q1 2026 | $196.7M | $175.5M | $128.6M | $20.2M | $1.1M | 2.30% | 4.43% | 2.01% |
| Q4 2025 | $188.6M | $167.7M | $127.8M | $20.0M | $3.8M | 2.07% | 4.69% | 1.87% |
| Q3 2025 | $187.5M | $166.7M | $124.8M | $19.5M | $2.8M | 2.08% | 4.66% | 1.81% |
| Q2 2025 | $184.1M | $164.5M | $123.5M | $17.9M | $2.1M | 2.32% | 4.67% | 0.17% |
| Q1 2025 | $179.9M | $160.9M | $119.8M | $16.8M | $913K | 2.03% | 4.58% | 0.19% |
| Q4 2024 | $180.4M | $156.3M | $118.8M | $15.9M | $3.5M | 1.97% | 4.27% | 0.44% |
| Q3 2024 | $181.1M | $153.2M | $115.0M | $17.4M | $2.5M | 1.91% | 4.22% | 0.06% |
Loan mix (Q2 2026): real estate $82.9M · commercial $16.0M · consumer $8.8M · securities $44.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Adrian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.63% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 24.7% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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 | Adrian 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 | Adrian 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 | Adrian 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 | Adrian 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.