| Metric | Bank of Delight | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +12.0% | +4.0% | +8.0 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 2.02% | 1.24% | +0.8 pts |
| ROE | 15.4% | 11.9% | +3.6 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 | $201.0M | $169.2M | $177.7M | $27.2M | $2.0M | 2.02% | 4.14% | 0.39% |
| Q1 2026 | $202.9M | $172.0M | $174.3M | $26.2M | $931K | 1.87% | 4.06% | 0.59% |
| Q4 2025 | $195.2M | $165.2M | $176.5M | $25.3M | $4.0M | 2.13% | 4.35% | 0.58% |
| Q3 2025 | $190.8M | $159.0M | $171.9M | $26.9M | $3.1M | 2.22% | 4.26% | 1.14% |
| Q2 2025 | $182.1M | $151.1M | $161.8M | $26.1M | $2.1M | 2.31% | 4.29% | 1.26% |
| Q1 2025 | $184.3M | $149.2M | $156.8M | $25.1M | $981K | 2.13% | 4.23% | 0.43% |
| Q4 2024 | $184.2M | $149.8M | $154.9M | $24.1M | $3.8M | 2.15% | 4.41% | 0.61% |
| Q3 2024 | $181.7M | $145.6M | $152.5M | $25.7M | $3.0M | 2.27% | 4.41% | 0.57% |
Loan mix (Q2 2026): real estate $145.1M · commercial $17.3M · consumer $5.9M · securities $6.2M
| Ratio | Bank of Delight | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.2% | 62.9% | 15th |
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 Delight | 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 Delight | 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 Delight | 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 Delight | 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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