| Metric | Bank of Labor | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +3.8% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +7.0% | +5.9% | +1.0 pts |
| ROA | 0.91% | 1.26% | -0.4 pts |
| ROE | 19.9% | 12.2% | +7.7 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $1.04B | $360.6M | $51.2M | $5.0M | 0.91% | 3.55% | 1.04% |
| Q1 2026 | $1.10B | $1.02B | $359.5M | $49.9M | $2.6M | 0.96% | 3.58% | 1.06% |
| Q4 2025 | $1.07B | $991.1M | $354.1M | $49.1M | $9.6M | 0.93% | 3.64% | 1.08% |
| Q3 2025 | $1.07B | $992.5M | $359.1M | $46.0M | $7.5M | 0.98% | 3.63% | 0.04% |
| Q2 2025 | $1.07B | $1.00B | $337.2M | $40.9M | $4.9M | 0.97% | 3.61% | 0.04% |
| Q1 2025 | $1.03B | $956.8M | $331.1M | $37.4M | $2.5M | 1.03% | 3.61% | 0.03% |
| Q4 2024 | $933.5M | $874.1M | $331.0M | $29.5M | $9.4M | 0.97% | 3.77% | 0.03% |
| Q3 2024 | $986.3M | $915.6M | $331.3M | $37.1M | $7.6M | 1.04% | 3.75% | 0.04% |
Loan mix (Q2 2026): real estate $246.3M · commercial $118.3M · consumer $1.4M · securities $555.0M
| Ratio | Bank of Labor | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 12.2% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 59.0% | 78th |
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 Labor | 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 Labor | 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 Labor | 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 Labor | 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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