| Metric | Bank of Ontario | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +3.0% | -6.4 pts |
| Deposit growth (YoY) | -2.1% | +2.5% | -4.6 pts |
| Loan growth (YoY) | -1.0% | +2.6% | -3.6 pts |
| ROA | 1.16% | 0.99% | +0.2 pts |
| ROE | 8.5% | 8.1% | +0.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.0M | $67.4M | $63.9M | $11.0M | $466K | 1.16% | 5.07% | 7.07% |
| Q1 2026 | $80.6M | $68.0M | $64.7M | $11.0M | $194K | 0.96% | 4.89% | 7.14% |
| Q4 2025 | $81.6M | $68.1M | $65.4M | $10.9M | $1.1M | 1.34% | 5.10% | 7.02% |
| Q3 2025 | $80.3M | $67.1M | $65.1M | $10.5M | $780K | 1.28% | 5.10% | 7.05% |
| Q2 2025 | $81.8M | $68.9M | $64.6M | $10.3M | $514K | 1.26% | 4.90% | 5.23% |
| Q1 2025 | $80.3M | $67.3M | $68.1M | $10.3M | $354K | 1.75% | 5.17% | 4.36% |
| Q4 2024 | $81.8M | $67.9M | $69.0M | $10.2M | $2.1M | 2.54% | 5.40% | 2.84% |
| Q3 2024 | $83.6M | $68.4M | $68.9M | $10.0M | $1.5M | 2.52% | 5.28% | 2.88% |
Loan mix (Q2 2026): real estate $47.3M · commercial $8.7M · consumer $3.3M · securities $6.2M
| Ratio | Bank of Ontario | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 8.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 70.8% | 29th |
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 Ontario | 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 Ontario | 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 Ontario | 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 Ontario | 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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