| Metric | Ascend Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.4% | +5.5% | +20.9 pts |
| Deposit growth (YoY) | +26.1% | +5.1% | +21.0 pts |
| Loan growth (YoY) | +29.8% | +5.9% | +23.9 pts |
| ROA | 1.03% | 1.26% | -0.2 pts |
| ROE | 10.4% | 12.2% | -1.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.49B | $1.32B | $1.15B | $151.2M | $7.6M | 1.03% | 3.46% | 0.39% |
| Q1 2026 | $1.47B | $1.30B | $1.12B | $146.6M | $3.2M | 0.87% | 3.42% | 0.31% |
| Q4 2025 | $1.45B | $1.28B | $1.13B | $143.1M | $6.4M | 0.49% | 3.18% | 0.28% |
| Q3 2025 | $1.44B | $1.28B | $1.11B | $140.5M | $4.6M | 0.49% | 3.02% | 0.23% |
| Q2 2025 | $1.18B | $1.05B | $888.5M | $121.9M | $2.3M | 0.39% | 2.79% | 0.14% |
| Q1 2025 | $1.19B | $1.05B | $870.9M | $119.5M | $688K | 0.23% | 2.67% | 0.11% |
| Q4 2024 | $1.16B | $1.02B | $853.7M | $117.8M | $2.0M | 0.17% | 2.48% | 0.18% |
| Q3 2024 | $1.15B | $1.01B | $847.9M | $118.4M | $1.8M | 0.21% | 2.43% | 0.16% |
Loan mix (Q2 2026): real estate $1.10B · commercial $42.9M · consumer $19.0M · securities $192.3M
| Ratio | Ascend Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.26% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.2% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 59.0% | 73th |
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 | Ascend 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 | Ascend 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 | Ascend 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 | Ascend 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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