| Metric | Ascendia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 0.24% | 1.24% | -1.0 pts |
| ROE | 2.6% | 11.9% | -9.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.3M | $318.8M | $319.8M | $35.9M | $461K | 0.24% | 2.60% | 0.11% |
| Q1 2026 | $388.2M | $311.3M | $314.9M | $35.6M | $137K | 0.14% | 2.49% | 0.04% |
| Q4 2025 | $378.1M | $296.3M | $308.2M | $35.5M | $-644K | -0.17% | 2.28% | 0.05% |
| Q3 2025 | $389.8M | $306.9M | $310.8M | $35.4M | $-738K | -0.25% | 2.19% | 0.10% |
| Q2 2025 | $389.9M | $306.6M | $311.8M | $35.4M | $-678K | -0.35% | 2.14% | 0.18% |
| Q1 2025 | $394.1M | $291.9M | $316.1M | $36.0M | $-46K | -0.05% | 2.08% | 0.17% |
| Q4 2024 | $392.4M | $289.3M | $320.0M | $36.0M | $-588K | -0.15% | 2.01% | 0.18% |
| Q3 2024 | $387.1M | $279.5M | $312.5M | $36.2M | $-477K | -0.17% | 2.01% | 0.07% |
Loan mix (Q2 2026): real estate $321.9M · commercial $89K · consumer $24K · securities $35.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ascendia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 62.9% | 93th |
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 | Ascendia 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 | Ascendia 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 | Ascendia 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 | Ascendia 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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