| Metric | Apex Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +5.5% | +4.6 pts |
| Deposit growth (YoY) | +16.4% | +5.1% | +11.3 pts |
| Loan growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| ROA | 2.19% | 1.26% | +0.9 pts |
| ROE | 14.7% | 12.2% | +2.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.46B | $1.14B | $1.19B | $218.8M | $15.5M | 2.19% | 5.26% | 2.40% |
| Q1 2026 | $1.41B | $1.09B | $1.20B | $211.6M | $8.3M | 2.40% | 5.51% | 1.98% |
| Q4 2025 | $1.37B | $1.06B | $1.19B | $203.4M | $35.5M | 2.65% | 5.46% | 3.21% |
| Q3 2025 | $1.35B | $1.02B | $1.16B | $219.6M | $26.8M | 2.68% | 5.47% | 2.27% |
| Q2 2025 | $1.32B | $979.9M | $1.15B | $210.5M | $17.5M | 2.64% | 5.58% | 2.14% |
| Q1 2025 | $1.39B | $1.05B | $1.18B | $201.8M | $8.8M | 2.67% | 5.44% | 1.55% |
| Q4 2024 | $1.26B | $956.4M | $1.09B | $193.0M | $35.4M | 2.78% | 5.61% | 1.63% |
| Q3 2024 | $1.25B | $925.7M | $1.07B | $203.2M | $25.7M | 2.68% | 5.47% | 2.33% |
Loan mix (Q2 2026): real estate $1.19B · commercial $8.2M · consumer $3.2M · securities $29.4M
| Ratio | Apex Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 59.0% | 7th |
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 | Apex 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 | Apex 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 | Apex 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 | Apex 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.