| Metric | BankOkolona | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.0 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 15.0% | 11.9% | +3.2 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 | $359.6M | $322.3M | $247.5M | $32.9M | $2.4M | 1.38% | 3.94% | 0.75% |
| Q1 2026 | $349.3M | $313.1M | $243.5M | $32.0M | $1.2M | 1.44% | 3.95% | 0.78% |
| Q4 2025 | $346.1M | $309.9M | $237.3M | $32.1M | $3.4M | 0.99% | 3.36% | 0.78% |
| Q3 2025 | $342.3M | $309.4M | $238.4M | $28.3M | $2.4M | 0.92% | 3.28% | 0.69% |
| Q2 2025 | $345.8M | $311.9M | $236.8M | $27.1M | $1.3M | 0.79% | 3.15% | 0.72% |
| Q1 2025 | $345.4M | $312.1M | $227.1M | $26.5M | $657K | 0.78% | 3.12% | 0.59% |
| Q4 2024 | $332.3M | $300.2M | $224.9M | $25.5M | $2.5M | 0.78% | 3.11% | 0.66% |
| Q3 2024 | $330.5M | $296.1M | $224.8M | $27.2M | $1.8M | 0.72% | 3.14% | 0.62% |
Loan mix (Q2 2026): real estate $193.5M · commercial $36.2M · consumer $13.0M · securities $66.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankOkolona | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.9% | 55th |
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 | BankOkolona | 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 | BankOkolona | 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 | BankOkolona | 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 | BankOkolona | 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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