| Metric | Banesco USA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +5.5% | +9.2 pts |
| Deposit growth (YoY) | +20.5% | +5.1% | +15.5 pts |
| Loan growth (YoY) | +8.5% | +5.9% | +2.6 pts |
| ROA | 1.47% | 1.26% | +0.2 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.98B | $5.17B | $3.93B | $626.4M | $42.1M | 1.47% | 3.52% | 0.33% |
| Q1 2026 | $5.78B | $4.83B | $4.03B | $600.9M | $18.1M | 1.28% | 3.44% | 0.38% |
| Q4 2025 | $5.48B | $4.58B | $3.84B | $587.7M | $57.2M | 1.13% | 3.30% | 0.39% |
| Q3 2025 | $5.37B | $4.56B | $3.67B | $571.7M | $42.3M | 1.14% | 3.27% | 0.79% |
| Q2 2025 | $5.21B | $4.29B | $3.62B | $553.5M | $28.2M | 1.18% | 3.27% | 0.51% |
| Q1 2025 | $4.75B | $3.84B | $3.33B | $537.6M | $13.2M | 1.15% | 3.23% | 0.60% |
| Q4 2024 | $4.41B | $3.62B | $3.28B | $520.8M | $43.2M | 1.05% | 3.18% | 0.27% |
| Q3 2024 | $4.24B | $3.41B | $3.12B | $503.7M | $33.8M | 1.11% | 3.17% | 0.35% |
Loan mix (Q2 2026): real estate $2.99B · commercial $780.3M · consumer $162K · securities $1.15B
| Ratio | Banesco USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 59.0% | 35th |
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 | Banesco USA | 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 | Banesco USA | 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 | Banesco USA | 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 | Banesco USA | 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.