| Metric | Bank Five Nine | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.4 pts |
| Deposit growth (YoY) | -0.0% | +5.1% | -5.1 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.7 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 14.5% | 12.2% | +2.3 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.53B | $2.10B | $2.04B | $242.8M | $17.2M | 1.32% | 3.55% | 1.61% |
| Q1 2026 | $2.61B | $2.17B | $2.03B | $236.9M | $9.8M | 1.48% | 3.36% | 1.34% |
| Q4 2025 | $2.67B | $2.24B | $2.02B | $230.7M | $24.0M | 0.96% | 3.22% | 0.73% |
| Q3 2025 | $2.63B | $2.21B | $1.97B | $226.2M | $19.6M | 1.06% | 3.15% | 0.60% |
| Q2 2025 | $2.51B | $2.10B | $1.90B | $195.4M | $14.1M | 1.17% | 3.10% | 0.48% |
| Q1 2025 | $2.42B | $2.03B | $1.90B | $188.1M | $7.2M | 1.22% | 3.03% | 0.54% |
| Q4 2024 | $2.29B | $1.90B | $1.87B | $177.9M | $17.5M | 0.83% | 3.10% | 0.69% |
| Q3 2024 | $2.18B | $1.78B | $1.79B | $177.2M | $11.6M | 0.75% | 3.07% | 0.56% |
Loan mix (Q2 2026): real estate $1.96B · commercial $81.2M · consumer $626K · securities $336.6M
| Ratio | Bank Five Nine | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.2% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 59.0% | 49th |
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 | Bank Five Nine | 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 | Bank Five Nine | 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 | Bank Five Nine | 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 | Bank Five Nine | 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.