| Metric | BANK360 | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +3.0% | -4.5 pts |
| Deposit growth (YoY) | -2.2% | +2.5% | -4.7 pts |
| Loan growth (YoY) | +12.3% | +2.6% | +9.7 pts |
| ROA | 1.63% | 0.99% | +0.6 pts |
| ROE | 17.8% | 8.1% | +9.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.0M | $52.7M | $51.9M | $5.6M | $499K | 1.63% | 4.97% | 3.42% |
| Q1 2026 | $59.6M | $51.4M | $54.1M | $5.6M | $257K | 1.67% | 4.84% | 3.56% |
| Q4 2025 | $63.3M | $55.1M | $51.0M | $5.6M | $957K | 1.52% | 4.75% | 3.33% |
| Q3 2025 | $63.2M | $55.1M | $47.7M | $5.6M | $812K | 1.72% | 4.84% | 3.32% |
| Q2 2025 | $61.9M | $53.9M | $46.2M | $5.5M | $620K | 1.98% | 5.02% | 3.15% |
| Q1 2025 | $63.9M | $55.9M | $47.8M | $5.4M | $368K | 2.33% | 5.22% | 3.16% |
| Q4 2024 | $62.5M | $54.7M | $48.7M | $5.4M | $1.1M | 1.79% | 4.88% | 1.70% |
| Q3 2024 | $61.4M | $53.7M | $48.8M | $5.3M | $860K | 1.95% | 4.88% | 1.59% |
Loan mix (Q2 2026): real estate $47.0M · commercial $3.8M · consumer $827K · securities $1.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BANK360 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.99% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 70.8% | 39th |
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 | BANK360 | 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 | BANK360 | 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 | BANK360 | 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 | BANK360 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.