| Metric | Bay Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.2 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 11.3% | 11.9% | -0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $315.7M | $264.9M | $131.4M | $31.3M | $1.8M | 1.12% | 4.15% | 0.86% |
| Q1 2026 | $312.7M | $259.3M | $128.6M | $30.7M | $864K | 1.11% | 4.09% | 1.00% |
| Q4 2025 | $309.7M | $266.4M | $124.1M | $30.7M | $3.9M | 1.29% | 4.12% | 0.96% |
| Q3 2025 | $304.4M | $259.1M | $125.7M | $29.2M | $2.8M | 1.23% | 4.08% | 1.01% |
| Q2 2025 | $302.9M | $260.2M | $120.8M | $27.4M | $1.8M | 1.22% | 4.08% | 1.22% |
| Q1 2025 | $307.8M | $269.1M | $115.9M | $25.8M | $774K | 1.06% | 4.04% | 1.22% |
| Q4 2024 | $278.2M | $244.3M | $111.5M | $22.4M | $3.8M | 1.44% | 3.98% | 1.03% |
| Q3 2024 | $269.4M | $233.1M | $110.3M | $23.5M | $2.8M | 1.44% | 3.94% | 0.47% |
Loan mix (Q2 2026): real estate $99.8M · commercial $24.2M · consumer $9.8M · securities $141.2M
| Ratio | Bay Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 62.9% | 57th |
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 | Bay 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 | Bay 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 | Bay 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 | Bay 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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