| Metric | Bank of Milton | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.5 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.4M | $193.7M | $169.4M | $18.3M | $1.7M | 1.55% | 4.13% | 1.82% |
| Q1 2026 | $222.2M | $193.1M | $164.5M | $17.5M | $837K | 1.47% | 4.13% | 1.81% |
| Q4 2025 | $233.0M | $199.5M | $167.7M | $18.2M | $3.2M | 1.47% | 4.27% | 1.73% |
| Q3 2025 | $224.0M | $188.5M | $164.8M | $18.1M | $2.7M | 1.72% | 4.29% | 0.02% |
| Q2 2025 | $210.7M | $181.8M | $159.7M | $17.5M | $1.7M | 1.63% | 4.20% | 0.17% |
| Q1 2025 | $206.6M | $185.8M | $142.8M | $15.7M | $782K | 1.51% | 4.10% | 0.13% |
| Q4 2024 | $206.9M | $187.3M | $141.8M | $14.7M | $3.1M | 1.62% | 4.24% | 0.25% |
| Q3 2024 | $194.5M | $173.5M | $138.6M | $16.4M | $2.3M | 1.59% | 4.27% | 0.29% |
Loan mix (Q2 2026): real estate $147.9M · commercial $15.5M · consumer $2.6M · securities $37.9M
| Ratio | Bank of Milton | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 62.9% | 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 Milton | 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 Milton | 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 Milton | 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 Milton | 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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