| Metric | Bank19 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +72.3% | +4.4% | +68.0 pts |
| Deposit growth (YoY) | +94.6% | +4.0% | +90.7 pts |
| Loan growth (YoY) | +72.2% | +5.6% | +66.6 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 9.1% | 11.9% | -2.7 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.8M | $121.8M | $76.1M | $25.7M | $1.1M | 1.61% | 4.66% | 0.00% |
| Q1 2026 | $146.3M | $121.0M | $69.5M | $25.1M | $474K | 1.35% | 4.36% | 0.00% |
| Q4 2025 | $134.4M | $109.5M | $55.9M | $24.6M | $1.7M | 1.72% | 3.11% | 0.00% |
| Q3 2025 | $136.4M | $112.3M | $46.8M | $23.8M | $931K | 1.37% | 2.33% | 0.00% |
| Q2 2025 | $85.8M | $62.6M | $44.2M | $23.0M | $80K | 0.21% | 0.43% | 0.00% |
| Q1 2025 | $72.5M | $62.3M | $43.4M | $9.0M | $472K | 2.70% | 4.97% | 0.00% |
| Q4 2024 | $67.3M | $57.4M | $45.6M | $8.8M | $1.7M | 2.37% | 4.42% | 1.42% |
| Q3 2024 | $65.3M | $55.0M | $46.4M | $8.9M | $1.3M | 2.53% | 4.44% | 1.46% |
Loan mix (Q2 2026): real estate $63.9M · commercial $857K · consumer $670K · securities $2.3M
| Ratio | Bank19 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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 | Bank19 | 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 | Bank19 | 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 | Bank19 | 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 | Bank19 | 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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