| Metric | Bank of Anguilla | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.3 pts |
| Loan growth (YoY) | -10.3% | +5.6% | -15.9 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.2M | $158.3M | $91.6M | $29.1M | $1.1M | 1.15% | 4.02% | 1.31% |
| Q1 2026 | $199.4M | $166.5M | $87.8M | $28.6M | $543K | 1.11% | 3.67% | 2.77% |
| Q4 2025 | $192.0M | $159.1M | $92.9M | $28.4M | $2.6M | 1.34% | 4.39% | 2.95% |
| Q3 2025 | $186.2M | $154.7M | $93.7M | $25.7M | $2.2M | 1.55% | 4.49% | 5.29% |
| Q2 2025 | $190.7M | $160.5M | $102.1M | $24.3M | $1.6M | 1.62% | 4.36% | 2.86% |
| Q1 2025 | $202.7M | $173.5M | $90.4M | $23.3M | $764K | 1.54% | 4.29% | 2.57% |
| Q4 2024 | $193.9M | $166.1M | $95.1M | $21.7M | $3.0M | 1.57% | 4.92% | 1.49% |
| Q3 2024 | $175.4M | $146.9M | $93.3M | $22.3M | $2.7M | 1.91% | 5.11% | 0.22% |
Loan mix (Q2 2026): real estate $26.1M · commercial $10.2M · consumer $4.7M · securities $47.7M
| Ratio | Bank of Anguilla | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 62.9% | 42nd |
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 Anguilla | 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 Anguilla | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Anguilla | 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 Anguilla | 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 Anguilla | 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.
5 branches in 2 counties across 1 state (+0 vs 2025) · $158.3M branch deposits. Biggest market: Sharkey, MS, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sharkey, MS | 4 | $144.4M | 100.00% | 1st |
| Issaquena, MS | 1 | $13.9M | 94.97% | 1st |
Mississippi: 70th with 0.17% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5