| Metric | Bank of Utica | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.0 pts |
| Loan growth (YoY) | +20.4% | +5.9% | +14.5 pts |
| ROA | 4.80% | 1.26% | +3.5 pts |
| ROE | 18.7% | 12.2% | +6.5 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.51B | $1.07B | $153.1M | $391.6M | $34.9M | 4.80% | 1.97% | 0.06% |
| Q1 2026 | $1.45B | $1.04B | $144.7M | $370.0M | $10.9M | 3.06% | 1.91% | 0.08% |
| Q4 2025 | $1.41B | $1.01B | $141.2M | $359.1M | $32.6M | 2.31% | 1.83% | 0.07% |
| Q3 2025 | $1.43B | $1.05B | $133.0M | $352.2M | $23.1M | 2.18% | 1.81% | 0.17% |
| Q2 2025 | $1.41B | $1.04B | $127.1M | $340.2M | $11.2M | 1.59% | 1.79% | 0.12% |
| Q1 2025 | $1.42B | $1.06B | $124.1M | $334.5M | $3.1M | 0.90% | 1.69% | 0.10% |
| Q4 2024 | $1.39B | $1.03B | $123.3M | $331.4M | $20.0M | 1.50% | 1.64% | 0.10% |
| Q3 2024 | $1.35B | $985.2M | $120.2M | $336.9M | $23.1M | 2.34% | 1.64% | 0.09% |
Loan mix (Q2 2026): real estate $38.4M · commercial $108.1M · consumer $5.8M · securities $1.28B
| Ratio | Bank of Utica | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.80% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.97% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.0% | 59.0% | 5th |
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 Utica | 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 Utica | 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 Utica | 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 Utica | 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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