| Metric | BankNewport | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +5.7% | +5.9% | -0.2 pts |
| ROA | 0.62% | 1.26% | -0.6 pts |
| ROE | 6.2% | 12.2% | -6.0 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.07B | $2.45B | $2.47B | $304.6M | $9.4M | 0.62% | 3.26% | 0.77% |
| Q1 2026 | $3.07B | $2.46B | $2.47B | $307.5M | $4.0M | 0.53% | 3.19% | 0.60% |
| Q4 2025 | $3.01B | $2.35B | $2.32B | $302.2M | $17.1M | 0.58% | 3.30% | 0.45% |
| Q3 2025 | $2.98B | $2.32B | $2.34B | $295.2M | $12.6M | 0.58% | 3.28% | 0.74% |
| Q2 2025 | $2.96B | $2.32B | $2.33B | $287.9M | $7.8M | 0.54% | 3.24% | 0.64% |
| Q1 2025 | $2.85B | $2.23B | $2.28B | $280.1M | $2.8M | 0.40% | 3.24% | 0.68% |
| Q4 2024 | $2.80B | $2.27B | $2.28B | $272.0M | $10.2M | 0.37% | 3.16% | 0.66% |
| Q3 2024 | $2.75B | $2.22B | $2.22B | $274.9M | $7.0M | 0.34% | 3.14% | 0.19% |
Loan mix (Q2 2026): real estate $2.18B · commercial $275.3M · consumer $22.9M · securities $451.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankNewport | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.2% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 59.0% | 78th |
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 | BankNewport | 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 | BankNewport | 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 | BankNewport | 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 | BankNewport | 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.