| Metric | Bloomsdale Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +12.3% | +5.6% | +6.7 pts |
| ROA | 2.39% | 1.24% | +1.2 pts |
| ROE | 30.2% | 11.9% | +18.4 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $390.2M | $356.8M | $276.7M | $32.0M | $4.6M | 2.39% | 4.18% | 0.22% |
| Q1 2026 | $397.2M | $366.0M | $259.7M | $30.0M | $2.3M | 2.44% | 4.18% | 0.13% |
| Q4 2025 | $372.6M | $341.8M | $252.6M | $29.7M | $7.3M | 2.00% | 3.89% | 0.30% |
| Q3 2025 | $361.5M | $331.8M | $248.1M | $28.3M | $5.2M | 1.90% | 3.84% | 0.32% |
| Q2 2025 | $363.3M | $337.1M | $246.3M | $25.0M | $3.2M | 1.79% | 3.77% | 0.28% |
| Q1 2025 | $379.0M | $353.4M | $243.7M | $24.6M | $1.4M | 1.49% | 3.61% | 0.29% |
| Q4 2024 | $344.8M | $314.2M | $236.1M | $23.3M | $5.3M | 1.56% | 3.66% | 0.29% |
| Q3 2024 | $355.9M | $330.6M | $233.6M | $24.1M | $4.0M | 1.57% | 3.59% | 0.27% |
Loan mix (Q2 2026): real estate $227.1M · commercial $32.7M · consumer $6.8M · securities $99.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bloomsdale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.39% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 30.2% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 62.9% | 9th |
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 | Bloomsdale 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 | Bloomsdale 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 | Bloomsdale 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 | Bloomsdale 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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