| Metric | Availa Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +4.4% | +5.1% | -0.6 pts |
| Loan growth (YoY) | +5.9% | +5.9% | +0.0 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 10.7% | 12.2% | -1.5 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.73B | $1.42B | $1.18B | $156.1M | $8.2M | 0.95% | 3.05% | 0.18% |
| Q1 2026 | $1.74B | $1.42B | $1.19B | $154.3M | $4.0M | 0.94% | 2.97% | 0.19% |
| Q4 2025 | $1.69B | $1.35B | $1.15B | $150.8M | $12.4M | 0.75% | 2.88% | 0.17% |
| Q3 2025 | $1.68B | $1.40B | $1.13B | $146.3M | $8.7M | 0.70% | 2.79% | 0.12% |
| Q2 2025 | $1.65B | $1.36B | $1.11B | $135.7M | $5.1M | 0.62% | 2.75% | 0.28% |
| Q1 2025 | $1.65B | $1.39B | $1.08B | $135.9M | $2.3M | 0.57% | 2.66% | 0.32% |
| Q4 2024 | $1.62B | $1.37B | $1.09B | $134.7M | $7.3M | 0.45% | 2.38% | 0.52% |
| Q3 2024 | $1.63B | $1.35B | $1.05B | $138.2M | $5.2M | 0.43% | 2.33% | 0.51% |
Loan mix (Q2 2026): real estate $888.8M · commercial $121.8M · consumer $2.7M · securities $373.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Availa Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 12.2% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 59.0% | 56th |
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 | Availa 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 | Availa 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 | Availa 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 | Availa 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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