| Metric | Arbor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +4.9% | +6.6 pts |
| Deposit growth (YoY) | +9.2% | +4.3% | +4.8 pts |
| Loan growth (YoY) | +12.3% | +5.3% | +6.9 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 13.4% | 12.4% | +1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $701.7M | $607.8M | $591.3M | $61.1M | $4.0M | 1.16% | 4.14% | 0.88% |
| Q1 2026 | $711.5M | $631.8M | $568.6M | $60.1M | $1.8M | 1.03% | 3.98% | 0.73% |
| Q4 2025 | $658.6M | $558.9M | $563.8M | $58.5M | $6.8M | 1.07% | 3.86% | 0.75% |
| Q3 2025 | $650.9M | $566.2M | $550.4M | $56.4M | $4.8M | 1.02% | 4.03% | 1.02% |
| Q2 2025 | $629.4M | $556.8M | $526.6M | $55.3M | $2.8M | 0.90% | 3.99% | 1.15% |
| Q1 2025 | $616.5M | $558.2M | $511.7M | $55.5M | $1.3M | 0.87% | 4.02% | 0.39% |
| Q4 2024 | $606.4M | $547.6M | $505.3M | $55.3M | $5.7M | 0.93% | 3.50% | 0.17% |
| Q3 2024 | $630.9M | $558.1M | $510.3M | $54.3M | $4.0M | 0.87% | 3.61% | 0.18% |
Loan mix (Q2 2026): real estate $407.2M · commercial $133.6M · consumer $2.4M · securities $50.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Arbor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 61.2% | 81th |
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 | Arbor 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 | Arbor 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 | Arbor 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 | Arbor 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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