| Metric | Banner Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +11.2% | +5.6% | +5.6 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 17.3% | 11.9% | +5.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $379.8M | $335.2M | $307.0M | $41.2M | $3.5M | 1.88% | 4.58% | 1.07% |
| Q1 2026 | $368.9M | $327.6M | $293.5M | $40.0M | $1.5M | 1.65% | 4.53% | 0.66% |
| Q4 2025 | $368.9M | $327.3M | $288.3M | $40.1M | $7.6M | 2.11% | 4.74% | 0.60% |
| Q3 2025 | $360.3M | $320.1M | $281.6M | $38.7M | $5.1M | 1.91% | 4.55% | 1.62% |
| Q2 2025 | $355.4M | $316.1M | $276.1M | $37.8M | $3.4M | 1.89% | 4.50% | 1.66% |
| Q1 2025 | $351.1M | $312.6M | $275.4M | $37.2M | $1.6M | 1.81% | 4.46% | 2.02% |
| Q4 2024 | $359.2M | $319.7M | $275.3M | $36.0M | $6.5M | 1.89% | 4.55% | 1.78% |
| Q3 2024 | $353.0M | $313.2M | $291.7M | $36.4M | $4.9M | 1.95% | 4.66% | 0.86% |
Loan mix (Q2 2026): real estate $178.6M · commercial $32.0M · consumer $12.2M · securities $34.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Banner Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 62.9% | 25th |
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 | Banner Capital Bank | 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 | Banner Capital Bank | 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 | Banner Capital Bank | 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 | Banner Capital Bank | 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.