| Metric | Blue Sky Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +11.4% | +5.9% | +5.5 pts |
| ROA | 0.95% | 1.26% | -0.3 pts |
| ROE | 10.0% | 12.2% | -2.2 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.35B | $1.12B | $1.12B | $131.0M | $6.3M | 0.95% | 4.45% | 2.55% |
| Q1 2026 | $1.34B | $1.16B | $1.10B | $128.5M | $2.8M | 0.85% | 4.44% | 3.07% |
| Q4 2025 | $1.31B | $1.16B | $1.07B | $120.2M | $11.7M | 0.95% | 4.66% | 1.56% |
| Q3 2025 | $1.20B | $1.06B | $1.01B | $118.3M | $7.8M | 0.86% | 4.56% | 1.84% |
| Q2 2025 | $1.24B | $1.08B | $1.01B | $118.7M | $4.5M | 0.74% | 4.50% | 1.81% |
| Q1 2025 | $1.24B | $1.08B | $1.02B | $117.7M | $2.4M | 0.78% | 4.40% | 1.86% |
| Q4 2024 | $1.19B | $1.05B | $974.1M | $117.2M | $21.8M | 1.89% | 4.73% | 1.70% |
| Q3 2024 | $1.17B | $1.02B | $967.5M | $117.8M | $18.4M | 2.15% | 4.69% | 1.46% |
Loan mix (Q2 2026): real estate $750.3M · commercial $352.6M · consumer $8.0M · securities $74.8M
| Ratio | Blue Sky Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 1.26% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 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 | Blue Sky 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 | Blue Sky 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 | Blue Sky 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 | Blue Sky Bank | 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.