| Metric | Avidbank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.5% | +5.7 pts |
| Deposit growth (YoY) | +16.0% | +5.1% | +11.0 pts |
| Loan growth (YoY) | +16.4% | +5.9% | +10.5 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 11.7% | 12.2% | -0.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.65B | $2.32B | $2.20B | $307.8M | $17.5M | 1.35% | 4.28% | 0.54% |
| Q1 2026 | $2.57B | $2.20B | $2.15B | $299.7M | $9.5M | 1.48% | 4.31% | 0.63% |
| Q4 2025 | $2.56B | $2.19B | $2.13B | $290.4M | $-18.0M | -0.76% | 3.87% | 0.96% |
| Q3 2025 | $2.36B | $2.06B | $1.94B | $282.1M | $-25.4M | -1.45% | 3.76% | 0.12% |
| Q2 2025 | $2.39B | $2.00B | $1.89B | $219.0M | $12.1M | 1.04% | 3.61% | 0.06% |
| Q1 2025 | $2.31B | $1.93B | $1.82B | $210.7M | $5.8M | 1.01% | 3.56% | 0.06% |
| Q4 2024 | $2.30B | $1.89B | $1.85B | $202.1M | $21.9M | 0.97% | 3.51% | 0.06% |
| Q3 2024 | $2.29B | $1.90B | $1.76B | $204.1M | $15.3M | 0.90% | 3.50% | 0.16% |
Loan mix (Q2 2026): real estate $1.11B · commercial $1.05B · consumer $370K · securities $232.2M
| Ratio | Avidbank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.6% | 59.0% | 27th |
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 | Avidbank | 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 | Avidbank | 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 | Avidbank | 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 | Avidbank | 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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