| Metric | Bank of Grandin | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +16.2% | +5.6% | +10.7 pts |
| ROA | 1.79% | 1.24% | +0.6 pts |
| ROE | 12.5% | 11.9% | +0.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $241.0M | $205.1M | $162.2M | $34.4M | $2.1M | 1.79% | 3.94% | 2.02% |
| Q1 2026 | $232.9M | $197.9M | $157.0M | $33.7M | $927K | 1.59% | 3.85% | 2.26% |
| Q4 2025 | $234.7M | $200.2M | $148.6M | $33.2M | $3.7M | 1.61% | 3.66% | 2.05% |
| Q3 2025 | $231.4M | $197.1M | $145.5M | $32.8M | $2.7M | 1.57% | 3.60% | 1.88% |
| Q2 2025 | $228.9M | $195.2M | $139.5M | $32.3M | $1.7M | 1.51% | 3.53% | 1.77% |
| Q1 2025 | $226.5M | $193.4M | $134.2M | $31.7M | $842K | 1.50% | 3.54% | 1.94% |
| Q4 2024 | $223.4M | $190.9M | $128.0M | $31.1M | $2.2M | 1.01% | 2.94% | 1.47% |
| Q3 2024 | $221.6M | $189.1M | $124.4M | $30.8M | $1.5M | 0.93% | 2.88% | 1.34% |
Loan mix (Q2 2026): real estate $103.2M · commercial $30.9M · consumer $19.3M · securities $59.0M
| Ratio | Bank of Grandin | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th |
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 Grandin | 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 Grandin | 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 Grandin | 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 Grandin | 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.