| Metric | Bank of Brookhaven | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 11.8% | 11.9% | -0.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $262.2M | $229.5M | $146.7M | $28.7M | $1.6M | 1.28% | 3.81% | 0.01% |
| Q1 2026 | $266.5M | $235.1M | $145.1M | $27.6M | $839K | 1.32% | 3.80% | 0.01% |
| Q4 2025 | $240.7M | $209.7M | $138.1M | $27.2M | $2.5M | 1.04% | 3.76% | 0.02% |
| Q3 2025 | $242.9M | $210.6M | $133.2M | $27.8M | $2.5M | 1.38% | 3.75% | 0.00% |
| Q2 2025 | $247.0M | $216.7M | $133.6M | $25.8M | $1.7M | 1.38% | 3.70% | 0.00% |
| Q1 2025 | $256.0M | $226.2M | $133.4M | $25.4M | $860K | 1.41% | 3.58% | 0.00% |
| Q4 2024 | $233.4M | $205.0M | $132.1M | $23.9M | $2.3M | 0.98% | 3.54% | 0.01% |
| Q3 2024 | $231.8M | $201.4M | $131.8M | $25.9M | $2.0M | 1.16% | 3.54% | 0.02% |
Loan mix (Q2 2026): real estate $120.6M · commercial $16.5M · consumer $4.7M · securities $81.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Brookhaven | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 62.9% | 46th |
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 Brookhaven | 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 Brookhaven | 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 Brookhaven | 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 Brookhaven | 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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