| Metric | Alton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +4.4% | +9.4 pts |
| Deposit growth (YoY) | +14.5% | +4.0% | +10.6 pts |
| Loan growth (YoY) | +18.0% | +5.6% | +12.4 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 13.2% | 11.9% | +1.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $145.0M | $127.9M | $81.3M | $10.7M | $691K | 0.99% | 3.45% | 0.45% |
| Q1 2026 | $138.8M | $122.1M | $80.9M | $10.4M | $366K | 1.08% | 3.40% | 0.22% |
| Q4 2025 | $133.4M | $117.0M | $74.3M | $10.1M | $869K | 0.66% | 2.94% | 0.48% |
| Q3 2025 | $129.0M | $112.7M | $70.6M | $9.8M | $570K | 0.58% | 2.88% | 0.25% |
| Q2 2025 | $127.4M | $111.7M | $68.9M | $9.3M | $364K | 0.56% | 2.83% | 0.33% |
| Q1 2025 | $134.7M | $119.4M | $67.2M | $9.0M | $134K | 0.41% | 2.67% | 0.36% |
| Q4 2024 | $129.3M | $114.3M | $68.6M | $8.6M | $450K | 0.37% | 2.51% | 0.42% |
| Q3 2024 | $123.0M | $107.8M | $66.5M | $8.8M | $298K | 0.33% | 2.46% | 0.66% |
Loan mix (Q2 2026): real estate $58.7M · commercial $7.1M · consumer $8.2M · securities $46.8M
| Ratio | Alton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 62.9% | 71th |
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 | Alton 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 | Alton 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 | Alton 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 | Alton 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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