| Metric | All Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +41.9% | +4.4% | +37.5 pts |
| Deposit growth (YoY) | +43.5% | +4.0% | +39.5 pts |
| Loan growth (YoY) | +45.9% | +5.6% | +40.3 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 19.4% | 11.9% | +7.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $176.1M | $158.4M | $145.5M | $16.5M | $1.6M | 1.88% | 4.87% | 0.29% |
| Q1 2026 | $178.5M | $151.3M | $142.4M | $17.7M | $759K | 1.79% | 4.95% | 0.29% |
| Q4 2025 | $161.5M | $144.5M | $128.0M | $15.9M | $2.5M | 1.94% | 5.28% | 0.05% |
| Q3 2025 | $135.4M | $120.8M | $110.4M | $13.6M | $1.8M | 2.04% | 5.37% | 0.08% |
| Q2 2025 | $124.1M | $110.4M | $99.7M | $12.8M | $986K | 1.70% | 5.12% | 0.00% |
| Q1 2025 | $118.7M | $106.3M | $96.8M | $11.3M | $457K | 1.64% | 4.93% | 0.01% |
| Q4 2024 | $104.6M | $92.6M | $81.9M | $10.8M | $1.8M | 1.90% | 5.40% | 0.08% |
| Q3 2024 | $96.7M | $85.1M | $75.4M | $10.9M | $1.3M | 1.85% | 5.27% | 0.01% |
Loan mix (Q2 2026): real estate $95.8M · commercial $38.1M · consumer $7.2M · securities $5.8M
| Ratio | All Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.2% | 62.9% | 5th |
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 | All Capital 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 | All Capital 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 | All Capital 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 | All Capital 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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