| Metric | BOM Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.4% | +5.5% | +11.0 pts |
| Deposit growth (YoY) | +18.2% | +5.1% | +13.2 pts |
| Loan growth (YoY) | +16.5% | +5.9% | +10.6 pts |
| ROA | 1.00% | 1.26% | -0.3 pts |
| ROE | 9.5% | 12.2% | -2.6 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.61B | $1.38B | $1.20B | $167.0M | $7.8M | 1.00% | 4.05% | 0.96% |
| Q1 2026 | $1.52B | $1.32B | $1.14B | $165.0M | $4.8M | 1.26% | 4.02% | 1.38% |
| Q4 2025 | $1.52B | $1.33B | $1.12B | $158.5M | $17.6M | 1.24% | 4.20% | 1.21% |
| Q3 2025 | $1.42B | $1.23B | $1.06B | $159.9M | $16.5M | 1.57% | 4.19% | 1.07% |
| Q2 2025 | $1.38B | $1.17B | $1.03B | $156.6M | $11.7M | 1.68% | 4.07% | 1.20% |
| Q1 2025 | $1.36B | $1.19B | $1.02B | $156.3M | $5.9M | 1.68% | 3.80% | 1.35% |
| Q4 2024 | $1.44B | $1.29B | $1.04B | $144.0M | $14.1M | 1.22% | 3.77% | 1.08% |
| Q3 2024 | $1.21B | $1.07B | $867.2M | $135.7M | $13.6M | 1.68% | 3.86% | 0.79% |
Loan mix (Q2 2026): real estate $1.02B · commercial $160.0M · consumer $14.6M · securities $186.3M
| Ratio | BOM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 59.0% | 76th |
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 | BOM 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 | BOM 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 | BOM 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 | BOM 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.