| Metric | Bluestone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +5.5% | -3.2 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Loan growth (YoY) | -0.2% | +5.9% | -6.1 pts |
| ROA | 0.30% | 1.26% | -1.0 pts |
| ROE | 3.8% | 12.2% | -8.4 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.62B | $1.32B | $1.19B | $131.8M | $2.4M | 0.30% | 2.43% | 0.77% |
| Q1 2026 | $1.63B | $1.30B | $1.20B | $129.1M | $396K | 0.10% | 2.38% | 0.50% |
| Q4 2025 | $1.58B | $1.25B | $1.20B | $129.1M | $6.9M | 0.43% | 2.47% | 0.08% |
| Q3 2025 | $1.58B | $1.24B | $1.20B | $124.9M | $4.6M | 0.38% | 2.42% | 0.10% |
| Q2 2025 | $1.59B | $1.25B | $1.19B | $119.6M | $2.8M | 0.35% | 2.32% | 0.06% |
| Q1 2025 | $1.60B | $1.29B | $1.16B | $116.8M | $910K | 0.23% | 2.17% | 0.08% |
| Q4 2024 | $1.57B | $1.27B | $1.14B | $112.6M | $4.7M | 0.30% | 2.19% | 0.04% |
| Q3 2024 | $1.55B | $1.32B | $1.13B | $117.7M | $3.6M | 0.32% | 2.22% | 0.10% |
Loan mix (Q2 2026): real estate $1.08B · commercial $85.2M · consumer $22.7M · securities $270.6M
| Ratio | Bluestone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 59.0% | 95th |
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 | Bluestone 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 | Bluestone 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 | Bluestone 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 | Bluestone 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.