| Metric | Banterra Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | +3.0% | +5.1% | -2.1 pts |
| Loan growth (YoY) | +6.4% | +5.9% | +0.5 pts |
| ROA | 0.91% | 1.26% | -0.3 pts |
| ROE | 13.8% | 12.2% | +1.6 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.36B | $3.01B | $2.63B | $226.0M | $15.1M | 0.91% | 3.35% | 0.29% |
| Q1 2026 | $3.26B | $3.01B | $2.52B | $213.9M | $6.9M | 0.84% | 3.33% | 0.27% |
| Q4 2025 | $3.29B | $2.98B | $2.54B | $216.7M | $26.0M | 0.81% | 3.16% | 0.27% |
| Q3 2025 | $3.25B | $2.96B | $2.50B | $205.0M | $19.7M | 0.82% | 3.10% | 0.28% |
| Q2 2025 | $3.21B | $2.93B | $2.48B | $193.9M | $13.8M | 0.87% | 3.07% | 0.29% |
| Q1 2025 | $3.17B | $2.89B | $2.44B | $188.5M | $3.8M | 0.49% | 2.89% | 0.26% |
| Q4 2024 | $3.12B | $2.84B | $2.40B | $187.4M | $8.8M | 0.28% | 2.50% | 0.24% |
| Q3 2024 | $3.10B | $2.81B | $2.37B | $192.0M | $3.8M | 0.16% | 2.40% | 0.25% |
Loan mix (Q2 2026): real estate $1.20B · commercial $536.0M · consumer $832.3M · securities $540.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Banterra Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 12.2% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 59.0% | 69th |
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 | Banterra 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 | Banterra 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 | Banterra 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 | Banterra Bank | 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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