| Metric | Artisans' Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.9% | -1.7 pts |
| Deposit growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +3.4% | +5.3% | -2.0 pts |
| ROA | 0.52% | 1.28% | -0.8 pts |
| ROE | 5.5% | 12.4% | -6.9 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $718.2M | $643.0M | $521.6M | $68.0M | $1.9M | 0.52% | 3.36% | 0.58% |
| Q1 2026 | $719.6M | $645.0M | $510.9M | $67.2M | $731K | 0.41% | 3.28% | 0.38% |
| Q4 2025 | $714.7M | $640.0M | $510.1M | $66.8M | $3.3M | 0.48% | 3.23% | 0.20% |
| Q3 2025 | $716.4M | $643.3M | $503.5M | $64.8M | $2.2M | 0.42% | 3.19% | 0.27% |
| Q2 2025 | $695.6M | $624.9M | $504.7M | $62.3M | $1.1M | 0.31% | 3.10% | 0.22% |
| Q1 2025 | $694.5M | $625.6M | $494.1M | $60.8M | $507K | 0.29% | 3.04% | 0.25% |
| Q4 2024 | $695.4M | $616.5M | $502.7M | $58.3M | $2.7M | 0.39% | 3.08% | 0.23% |
| Q3 2024 | $689.5M | $600.6M | $494.5M | $60.2M | $2.1M | 0.40% | 3.11% | 0.56% |
Loan mix (Q2 2026): real estate $491.7M · commercial $33.9M · consumer $349K · securities $129.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Artisans' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.28% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 61.2% | 89th |
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 | Artisans' 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 | Artisans' 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 | Artisans' 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 | Artisans' 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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