| Metric | Bay Port State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.0 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 12.6% | 11.9% | +0.8 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.4M | $136.1M | $130.3M | $16.5M | $1.0M | 1.34% | 4.91% | 0.56% |
| Q1 2026 | $150.1M | $133.3M | $127.6M | $16.0M | $470K | 1.24% | 4.89% | 0.44% |
| Q4 2025 | $153.3M | $136.9M | $126.3M | $15.8M | $1.9M | 1.28% | 4.89% | 0.88% |
| Q3 2025 | $150.1M | $134.1M | $128.4M | $15.3M | $1.4M | 1.28% | 4.83% | 0.66% |
| Q2 2025 | $149.3M | $133.5M | $127.1M | $14.8M | $931K | 1.24% | 4.77% | 0.21% |
| Q1 2025 | $151.7M | $136.6M | $118.9M | $14.3M | $435K | 1.16% | 4.65% | 0.00% |
| Q4 2024 | $149.3M | $134.6M | $116.2M | $13.8M | $1.7M | 1.14% | 4.64% | 0.43% |
| Q3 2024 | $145.9M | $131.2M | $116.7M | $13.7M | $1.3M | 1.17% | 4.65% | 0.56% |
Loan mix (Q2 2026): real estate $94.9M · commercial $12.9M · consumer $2.9M · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bay Port State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th |
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 Port State 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 Port State 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 Port State 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 Port State 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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