| Metric | Ascent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.4 pts |
| Deposit growth (YoY) | -1.6% | +4.0% | -5.6 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -4.9 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.1M | $92.4M | $81.4M | $9.5M | $660K | 1.24% | 4.56% | 1.99% |
| Q1 2026 | $104.1M | $92.5M | $81.8M | $9.1M | $312K | 1.16% | 4.39% | 1.57% |
| Q4 2025 | $110.3M | $97.4M | $79.2M | $10.7M | $1.4M | 1.33% | 4.48% | 1.26% |
| Q3 2025 | $109.7M | $96.8M | $79.9M | $10.2M | $1.1M | 1.34% | 4.46% | 0.23% |
| Q2 2025 | $106.3M | $93.9M | $80.9M | $9.8M | $717K | 1.36% | 4.46% | 0.58% |
| Q1 2025 | $104.6M | $92.7M | $79.3M | $9.3M | $339K | 1.29% | 4.39% | 0.27% |
| Q4 2024 | $105.3M | $93.8M | $78.1M | $9.3M | $816K | 0.82% | 4.01% | 0.29% |
| Q3 2024 | $107.5M | $95.8M | $79.0M | $9.2M | $510K | 0.69% | 3.85% | 0.18% |
Loan mix (Q2 2026): real estate $70.3M · commercial $9.5M · consumer $1.4M · securities $7.8M
| Ratio | Ascent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
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 | 57.6% | 62.9% | 34th |
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 | Ascent 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 | Ascent 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 | Ascent 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 | Ascent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.