| Metric | Bank of Holyrood | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.0% | +3.9 pts |
| Deposit growth (YoY) | +7.2% | +2.5% | +4.7 pts |
| Loan growth (YoY) | -3.5% | +2.6% | -6.1 pts |
| ROA | 1.29% | 0.99% | +0.3 pts |
| ROE | 8.2% | 8.1% | +0.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.8M | $58.9M | $40.0M | $10.7M | $439K | 1.29% | 3.71% | 2.02% |
| Q1 2026 | $69.3M | $58.3M | $39.1M | $10.7M | $177K | 1.06% | 3.50% | 2.12% |
| Q4 2025 | $64.6M | $53.8M | $39.6M | $10.6M | $722K | 1.11% | 3.81% | 2.49% |
| Q3 2025 | $64.7M | $53.9M | $40.5M | $10.5M | $549K | 1.13% | 3.81% | 2.08% |
| Q2 2025 | $65.3M | $54.9M | $41.5M | $10.1M | $445K | 1.37% | 3.85% | 2.40% |
| Q1 2025 | $66.3M | $56.0M | $42.5M | $10.0M | $263K | 1.62% | 3.97% | 1.18% |
| Q4 2024 | $63.4M | $53.7M | $44.3M | $9.5M | $871K | 1.32% | 4.13% | 1.24% |
| Q3 2024 | $65.1M | $49.6M | $44.0M | $10.1M | $833K | 1.66% | 4.13% | 1.21% |
Loan mix (Q2 2026): real estate $19.2M · commercial $13.1M · consumer $1.6M · securities $23.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Holyrood | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 70.8% | 16th |
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 Holyrood | 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 Holyrood | 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 Holyrood | 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 Holyrood | 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.