| Metric | Bank of Billings | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.4% | +6.7 pts |
| Deposit growth (YoY) | +12.2% | +4.0% | +8.3 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.0M | $91.2M | $78.4M | $12.9M | $521K | 1.03% | 5.29% | 0.68% |
| Q1 2026 | $103.2M | $89.8M | $77.2M | $12.6M | $256K | 1.03% | 5.18% | 1.42% |
| Q4 2025 | $95.5M | $82.0M | $76.9M | $12.6M | $1.2M | 1.25% | 5.68% | 1.03% |
| Q3 2025 | $93.6M | $80.1M | $75.1M | $12.4M | $860K | 1.23% | 5.69% | 1.37% |
| Q2 2025 | $94.5M | $81.3M | $73.1M | $12.3M | $558K | 1.19% | 5.59% | 1.30% |
| Q1 2025 | $96.1M | $83.4M | $71.1M | $12.0M | $266K | 1.15% | 5.46% | 0.31% |
| Q4 2024 | $89.7M | $77.3M | $67.8M | $11.7M | $873K | 0.99% | 6.03% | 0.40% |
| Q3 2024 | $87.2M | $75.2M | $67.1M | $11.4M | $566K | 0.86% | 6.02% | 0.43% |
Loan mix (Q2 2026): real estate $68.8M · commercial $3.8M · consumer $1.4M · securities $0
| Ratio | Bank of Billings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 71th |
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 Billings | 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 Billings | 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 Billings | 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 Billings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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