| Metric | BlueHarbor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.4% | +4.9% | +10.5 pts |
| Deposit growth (YoY) | +17.8% | +4.3% | +13.4 pts |
| Loan growth (YoY) | +16.2% | +5.3% | +10.9 pts |
| ROA | 2.21% | 1.28% | +0.9 pts |
| ROE | 20.5% | 12.4% | +8.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $628.4M | $551.2M | $532.0M | $69.6M | $6.9M | 2.21% | 4.26% | 0.00% |
| Q1 2026 | $623.3M | $549.6M | $525.6M | $65.9M | $3.3M | 2.17% | 4.23% | 0.00% |
| Q4 2025 | $606.8M | $533.6M | $516.8M | $65.3M | $11.0M | 1.99% | 4.23% | 0.00% |
| Q3 2025 | $571.8M | $497.7M | $491.3M | $62.6M | $7.8M | 1.93% | 4.20% | 0.00% |
| Q2 2025 | $544.5M | $468.1M | $457.8M | $59.2M | $4.9M | 1.87% | 4.10% | 0.00% |
| Q1 2025 | $522.3M | $457.5M | $430.9M | $57.7M | $2.4M | 1.86% | 4.03% | 0.00% |
| Q4 2024 | $507.2M | $440.7M | $428.6M | $55.2M | $6.8M | 1.45% | 3.95% | 0.00% |
| Q3 2024 | $486.0M | $424.4M | $400.6M | $54.3M | $4.7M | 1.36% | 3.91% | 0.00% |
Loan mix (Q2 2026): real estate $484.0M · commercial $50.1M · consumer $1.2M · securities $24.5M
| Ratio | BlueHarbor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.6% | 61.2% | 2th |
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 | BlueHarbor 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 | BlueHarbor 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 | BlueHarbor 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 | BlueHarbor 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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