| Metric | Arcadian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 2.07% | 1.24% | +0.8 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.1M | $206.1M | $180.1M | $28.6M | $2.5M | 2.07% | 4.56% | 0.07% |
| Q1 2026 | $241.4M | $204.2M | $180.9M | $27.7M | $1.1M | 1.91% | 4.49% | 0.10% |
| Q4 2025 | $237.0M | $200.4M | $181.3M | $28.2M | $4.2M | 1.85% | 4.32% | 0.07% |
| Q3 2025 | $235.9M | $200.8M | $171.6M | $27.0M | $3.1M | 1.81% | 4.27% | 0.09% |
| Q2 2025 | $226.8M | $191.4M | $169.5M | $27.4M | $2.0M | 1.74% | 4.19% | 0.12% |
| Q1 2025 | $224.5M | $190.5M | $165.4M | $26.0M | $908K | 1.63% | 4.08% | 0.12% |
| Q4 2024 | $222.5M | $186.5M | $169.0M | $26.2M | $3.2M | 1.44% | 3.80% | 0.14% |
| Q3 2024 | $219.4M | $177.4M | $163.8M | $26.4M | $2.3M | 1.36% | 3.72% | 0.18% |
Loan mix (Q2 2026): real estate $118.9M · commercial $33.2M · consumer $492K · securities $40.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Arcadian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 62.9% | 25th |
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 | Arcadian 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 | Arcadian 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 | Arcadian 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 | Arcadian 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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