| Metric | BNA Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +0.9% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +15.3% | +5.3% | +10.0 pts |
| ROA | 1.60% | 1.28% | +0.3 pts |
| ROE | 15.1% | 12.4% | +2.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $855.7M | $718.7M | $547.3M | $94.2M | $6.8M | 1.60% | 3.78% | 0.54% |
| Q1 2026 | $841.4M | $714.6M | $540.0M | $89.7M | $3.5M | 1.64% | 3.74% | 0.57% |
| Q4 2025 | $853.4M | $697.5M | $534.0M | $87.8M | $11.1M | 1.37% | 3.56% | 1.34% |
| Q3 2025 | $821.5M | $692.0M | $504.9M | $90.8M | $9.8M | 1.63% | 3.55% | 0.49% |
| Q2 2025 | $815.0M | $712.5M | $474.6M | $84.3M | $6.3M | 1.59% | 3.47% | 0.60% |
| Q1 2025 | $794.7M | $695.4M | $460.7M | $81.7M | $3.3M | 1.70% | 3.41% | 0.66% |
| Q4 2024 | $774.5M | $679.9M | $447.2M | $77.6M | $11.4M | 1.47% | 3.06% | 0.56% |
| Q3 2024 | $778.6M | $676.2M | $443.4M | $82.2M | $7.3M | 1.25% | 2.99% | 0.53% |
Loan mix (Q2 2026): real estate $487.8M · commercial $21.9M · consumer $28.9M · securities $223.4M
| Ratio | BNA Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 61.2% | 10th |
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 | BNA 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 | BNA 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 | BNA 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 | BNA 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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