| Metric | Bank of 1889 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 18.5% | 11.9% | +6.6 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $339.2M | $298.8M | $259.6M | $37.1M | $3.4M | 2.01% | 6.07% | 0.69% |
| Q1 2026 | $334.7M | $294.3M | $255.0M | $37.0M | $1.6M | 1.87% | 5.99% | 0.76% |
| Q4 2025 | $330.7M | $291.9M | $252.7M | $35.4M | $6.2M | 2.00% | 6.35% | 0.81% |
| Q3 2025 | $313.9M | $274.2M | $251.5M | $36.6M | $4.9M | 2.13% | 6.35% | 0.94% |
| Q2 2025 | $307.4M | $269.3M | $247.0M | $34.9M | $3.2M | 2.10% | 6.29% | 0.87% |
| Q1 2025 | $301.5M | $264.2M | $239.7M | $34.3M | $1.5M | 2.02% | 6.25% | 1.30% |
| Q4 2024 | $300.6M | $264.5M | $239.5M | $32.8M | $6.0M | 2.04% | 6.32% | 1.56% |
| Q3 2024 | $301.0M | $258.1M | $227.2M | $33.4M | $4.8M | 2.20% | 6.25% | 0.97% |
Loan mix (Q2 2026): real estate $209.1M · commercial $24.1M · consumer $21.8M · securities $16.0M
| Ratio | Bank of 1889 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 62.9% | 51th |
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 of 1889 | 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 of 1889 | 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 of 1889 | 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 of 1889 | 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.