| Metric | Avidia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +5.5% | -11.7 pts |
| Deposit growth (YoY) | -8.9% | +5.1% | -13.9 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 0.98% | 1.26% | -0.3 pts |
| ROE | 8.3% | 12.2% | -3.9 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.77B | $2.23B | $2.24B | $337.9M | $13.7M | 0.98% | 3.67% | 0.61% |
| Q1 2026 | $2.80B | $2.23B | $2.26B | $331.0M | $6.3M | 0.89% | 3.65% | 0.49% |
| Q4 2025 | $2.83B | $2.21B | $2.28B | $325.5M | $5.0M | 0.18% | 3.35% | 0.71% |
| Q3 2025 | $2.78B | $2.16B | $2.25B | $318.1M | $-920K | -0.04% | 3.27% | 0.63% |
| Q2 2025 | $2.95B | $2.45B | $2.23B | $214.2M | $-7.2M | -0.52% | 3.10% | 0.38% |
| Q1 2025 | $2.71B | $2.15B | $2.21B | $208.6M | $-11.3M | -1.69% | 3.08% | 0.44% |
| Q4 2024 | $2.66B | $2.08B | $2.18B | $216.0M | $12.6M | 0.48% | 2.99% | 0.16% |
| Q3 2024 | $2.67B | $2.05B | $2.16B | $217.2M | $8.8M | 0.44% | 3.02% | 0.16% |
Loan mix (Q2 2026): real estate $1.37B · commercial $878.5M · consumer $3.0M · securities $326.2M
| Ratio | Avidia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.26% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 12.2% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 68th |
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 | Avidia 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 | Avidia 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 | Avidia 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 | Avidia 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.