| Metric | Bank of Gleason | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.8 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 6.8% | 11.9% | -5.1 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.5M | $113.2M | $80.4M | $24.4M | $811K | 1.19% | 3.91% | 0.39% |
| Q1 2026 | $134.3M | $110.2M | $76.4M | $23.3M | $342K | 1.02% | 3.84% | 0.42% |
| Q4 2025 | $134.6M | $109.8M | $73.7M | $24.1M | $1.1M | 0.87% | 3.66% | 0.44% |
| Q3 2025 | $135.0M | $110.7M | $71.7M | $23.6M | $913K | 0.94% | 3.63% | 0.45% |
| Q2 2025 | $129.5M | $106.8M | $71.0M | $22.1M | $611K | 0.96% | 3.61% | 0.44% |
| Q1 2025 | $126.6M | $103.9M | $70.2M | $22.2M | $328K | 1.04% | 3.50% | 0.48% |
| Q4 2024 | $124.5M | $101.8M | $68.0M | $22.1M | $947K | 0.75% | 3.33% | 0.41% |
| Q3 2024 | $127.8M | $103.7M | $66.3M | $23.4M | $867K | 0.91% | 3.26% | 0.46% |
Loan mix (Q2 2026): real estate $52.1M · commercial $16.1M · consumer $9.7M · securities $44.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Gleason | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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 Gleason | 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 Gleason | 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 Gleason | 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 Gleason | 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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