| Metric | Bank of India | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.9% | +5.5% | -16.4 pts |
| Deposit growth (YoY) | +0.5% | +5.1% | -4.5 pts |
| Loan growth (YoY) | -18.6% | +6.0% | -24.6 pts |
| ROA | 0.00% | 1.26% | -1.3 pts |
| ROE | 0.0% | 12.2% | -12.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.42B | $5.73B | $3.89B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $7.18B | $5.41B | $5.50B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $7.03B | $5.43B | $4.95B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $6.78B | $5.78B | $4.96B | — | — | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $8.33B | $5.70B | $4.79B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $7.72B | $5.65B | $5.13B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $7.69B | $6.35B | $5.83B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $6.23B | $5.46B | $5.26B | — | — | 0.00% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $1.19B · consumer — · securities $124.8M
| Ratio | Bank of India | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 1.26% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 12.2% | — |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.70% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% |
Peer lists, growth filters, CSV export, CRM push.
| 59.0% |
0th |
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 India | 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 India | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of India | 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 India | 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 India | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $5.73B branch deposits. Biggest market: New York, NY, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 1 | $5.73B | 0.30% | 25th |
New York: 43rd with 0.20% · New York-Newark-Jersey City metro: 44th, 0.19% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1