| Metric | Blackhawk Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +9.5% | +5.9% | +3.6 pts |
| ROA | 1.55% | 1.26% | +0.3 pts |
| ROE | 15.9% | 12.2% | +3.8 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.04B | $1.60B | $1.25B | $194.9M | $15.2M | 1.55% | 3.44% | 0.92% |
| Q1 2026 | $1.96B | $1.57B | $1.22B | $190.5M | $6.4M | 1.33% | 3.20% | 0.94% |
| Q4 2025 | $1.91B | $1.58B | $1.20B | $186.3M | $20.0M | 1.06% | 2.81% | 1.06% |
| Q3 2025 | $1.87B | $1.53B | $1.16B | $182.0M | $13.7M | 0.98% | 2.67% | 1.12% |
| Q2 2025 | $1.87B | $1.48B | $1.15B | $172.7M | $8.6M | 0.92% | 2.56% | 1.06% |
| Q1 2025 | $1.92B | $1.39B | $1.13B | $170.7M | $3.9M | 0.83% | 2.44% | 1.01% |
| Q4 2024 | $1.85B | $1.37B | $1.08B | $161.3M | $12.3M | 0.67% | 1.96% | 0.99% |
| Q3 2024 | $1.83B | $1.34B | $1.04B | $167.9M | $8.7M | 0.63% | 1.87% | 1.01% |
Loan mix (Q2 2026): real estate $999.6M · commercial $190.1M · consumer $19.7M · securities $701.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Blackhawk Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.26% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 59.0% | 14th |
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 | Blackhawk Bank & Trust | 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 | Blackhawk Bank & Trust | 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 | Blackhawk Bank & Trust | 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 | Blackhawk Bank & Trust | 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.