| Metric | Avana Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.0% | +0.2 pts |
| Deposit growth (YoY) | +3.2% | +2.5% | +0.7 pts |
| Loan growth (YoY) | +36.2% | +2.6% | +33.6 pts |
| ROA | -0.42% | 0.99% | -1.4 pts |
| ROE | -1.9% | 8.1% | -10.0 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $39.6M | $30.6M | $14.2M | $8.7M | $-84K | -0.42% | 4.67% | 0.00% |
| Q1 2026 | $39.2M | $30.2M | $14.6M | $8.8M | $-33K | -0.33% | 4.72% | 0.00% |
| Q4 2025 | $40.6M | $31.1M | $12.9M | $8.9M | $77K | 0.19% | 4.20% | 0.00% |
| Q3 2025 | $37.8M | $29.2M | $10.0M | $8.5M | $-314K | -1.07% | 4.33% | 0.00% |
| Q2 2025 | $38.3M | $29.6M | $10.4M | $8.6M | $-201K | -1.01% | 4.34% | 0.01% |
| Q1 2025 | $41.8M | $33.0M | $8.8M | $8.7M | $-80K | -0.79% | 4.54% | 0.00% |
| Q4 2024 | $39.2M | $30.3M | $8.5M | $8.8M | $-87K | -0.22% | 5.17% | 0.00% |
| Q3 2024 | $39.5M | $30.4M | $9.2M | $8.9M | $80K | 0.27% | 5.27% | 0.00% |
Loan mix (Q2 2026): real estate $11.3M · commercial $2.0M · consumer $411K · securities $5.3M
| Ratio | Avana Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.99% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 8.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.5% | 70.8% | 90th |
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 | Avana 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 | Avana 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 | Avana 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 | Avana 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.