| Metric | BankPlus | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.5% | +1.3 pts |
| Deposit growth (YoY) | +8.4% | +5.1% | +3.4 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| ROA | 1.27% | 1.26% | +0.0 pts |
| ROE | 11.2% | 12.2% | -0.9 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.38B | $7.35B | $6.34B | $942.2M | $52.4M | 1.27% | 3.82% | 0.56% |
| Q1 2026 | $8.28B | $7.24B | $6.24B | $933.4M | $28.7M | 1.40% | 3.81% | 0.45% |
| Q4 2025 | $8.07B | $7.01B | $6.23B | $921.8M | $90.4M | 1.14% | 3.73% | 0.41% |
| Q3 2025 | $7.92B | $6.85B | $6.14B | $902.4M | $67.7M | 1.14% | 3.67% | 0.47% |
| Q2 2025 | $7.84B | $6.78B | $6.07B | $879.0M | $48.2M | 1.21% | 3.60% | 0.40% |
| Q1 2025 | $8.03B | $6.91B | $6.03B | $857.4M | $25.4M | 1.27% | 3.46% | 0.38% |
| Q4 2024 | $7.92B | $6.83B | $6.07B | $830.1M | $73.0M | 0.94% | 3.37% | 0.40% |
| Q3 2024 | $7.93B | $6.80B | $6.08B | $827.3M | $55.3M | 0.95% | 3.34% | 0.33% |
Loan mix (Q2 2026): real estate $5.42B · commercial $737.3M · consumer $109.5M · securities $1.20B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankPlus | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.26% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 59.0% | 60th |
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 | BankPlus | 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 | BankPlus | 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 | BankPlus | 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 | BankPlus | 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.