| Metric | BankVista | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Deposit growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.3 pts |
| ROA | 1.24% | 1.28% | -0.0 pts |
| ROE | 12.8% | 12.4% | +0.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $651.1M | $540.6M | $581.3M | $63.6M | $4.0M | 1.24% | 3.81% | 2.00% |
| Q1 2026 | $646.7M | $533.0M | $574.9M | $61.4M | $2.0M | 1.23% | 3.65% | 1.98% |
| Q4 2025 | $633.3M | $508.9M | $570.2M | $61.1M | $5.8M | 0.93% | 3.65% | 1.93% |
| Q3 2025 | $630.4M | $529.5M | $558.2M | $59.2M | $4.1M | 0.88% | 3.56% | 1.90% |
| Q2 2025 | $634.5M | $531.2M | $553.6M | $57.3M | $2.5M | 0.82% | 3.46% | 1.80% |
| Q1 2025 | $608.0M | $510.1M | $533.9M | $55.8M | $1.2M | 0.80% | 3.36% | 1.80% |
| Q4 2024 | $601.9M | $512.8M | $542.1M | $56.0M | $3.0M | 0.51% | 3.17% | 1.93% |
| Q3 2024 | $598.7M | $525.2M | $523.8M | $56.0M | $2.5M | 0.56% | 3.11% | 1.87% |
Loan mix (Q2 2026): real estate $444.2M · commercial $132.0M · consumer $5.9M · securities $23.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankVista | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 12.4% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 61.2% | 26th |
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 | BankVista | 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 | BankVista | 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 | BankVista | 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 | BankVista | 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.