| Metric | BankOrion | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +1.7% | +4.3% | -2.6 pts |
| Loan growth (YoY) | +4.7% | +5.3% | -0.6 pts |
| ROA | 0.91% | 1.28% | -0.4 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $688.1M | $582.9M | $442.4M | $57.7M | $3.1M | 0.91% | 3.40% | 0.77% |
| Q1 2026 | $683.0M | $572.7M | $436.5M | $57.5M | $1.5M | 0.88% | 3.36% | 0.49% |
| Q4 2025 | $676.1M | $563.1M | $438.4M | $56.0M | $6.0M | 0.90% | 3.28% | 0.47% |
| Q3 2025 | $684.7M | $576.5M | $425.1M | $53.8M | $4.3M | 0.86% | 3.24% | 0.11% |
| Q2 2025 | $679.3M | $573.1M | $422.5M | $55.5M | $2.8M | 0.84% | 3.23% | 0.07% |
| Q1 2025 | $660.5M | $554.8M | $411.1M | $54.7M | $1.1M | 0.68% | 3.01% | 0.19% |
| Q4 2024 | $640.2M | $547.1M | $393.4M | $51.0M | $3.9M | 0.60% | 2.66% | 0.21% |
| Q3 2024 | $645.9M | $541.7M | $383.4M | $55.3M | $2.8M | 0.57% | 2.59% | 0.20% |
Loan mix (Q2 2026): real estate $356.4M · commercial $56.2M · consumer $13.5M · securities $175.0M
| Ratio | BankOrion | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 61.2% | 59th |
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 | BankOrion | 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 | BankOrion | 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 | BankOrion | 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 | BankOrion | 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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