| Metric | Bank of Luxemburg | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.9% | -2.8 pts |
| Deposit growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| Loan growth (YoY) | +4.5% | +5.3% | -0.9 pts |
| ROA | 0.80% | 1.28% | -0.5 pts |
| ROE | 9.7% | 12.4% | -2.7 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $723.4M | $627.2M | $552.2M | $60.1M | $2.9M | 0.80% | 3.86% | 0.14% |
| Q1 2026 | $724.9M | $631.3M | $542.0M | $58.9M | $1.1M | 0.63% | 3.85% | 0.09% |
| Q4 2025 | $716.3M | $623.0M | $534.3M | $58.2M | $7.7M | 1.11% | 3.79% | 0.03% |
| Q3 2025 | $719.5M | $628.4M | $543.9M | $55.3M | $5.1M | 0.99% | 3.75% | 0.50% |
| Q2 2025 | $708.2M | $620.7M | $528.6M | $52.2M | $3.2M | 0.94% | 3.69% | 0.03% |
| Q1 2025 | $673.8M | $589.7M | $505.4M | $49.8M | $1.3M | 0.78% | 3.59% | 0.05% |
| Q4 2024 | $675.9M | $594.1M | $505.2M | $46.8M | $4.1M | 0.61% | 3.38% | 0.03% |
| Q3 2024 | $675.5M | $585.8M | $500.2M | $50.0M | $4.0M | 0.80% | 3.32% | 0.03% |
Loan mix (Q2 2026): real estate $454.9M · commercial $71.3M · consumer $17.1M · securities $126.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Luxemburg | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 61.2% | 81th |
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 Luxemburg | 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 Luxemburg | 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 Luxemburg | 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 Luxemburg | 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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