| Metric | Border Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.5 pts |
| Deposit growth (YoY) | +3.3% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +5.5% | +5.9% | -0.4 pts |
| ROA | 1.31% | 1.26% | +0.0 pts |
| ROE | 14.7% | 12.2% | +2.5 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $922.6M | $888.3M | $96.0M | $6.9M | 1.31% | 4.00% | 1.03% |
| Q1 2026 | $1.06B | $915.7M | $893.3M | $94.0M | $3.0M | 1.13% | 3.80% | 1.88% |
| Q4 2025 | $1.06B | $912.8M | $890.0M | $93.0M | $9.8M | 0.96% | 3.69% | 1.83% |
| Q3 2025 | $1.04B | $894.4M | $868.1M | $89.4M | $5.9M | 0.78% | 3.60% | 1.94% |
| Q2 2025 | $1.01B | $893.1M | $842.1M | $85.9M | $3.4M | 0.69% | 3.51% | 1.24% |
| Q1 2025 | $995.5M | $882.8M | $813.6M | $84.4M | $1.3M | 0.53% | 3.31% | 1.24% |
| Q4 2024 | $976.9M | $866.4M | $790.6M | $82.0M | $2.9M | 0.30% | 3.07% | 1.34% |
| Q3 2024 | $972.7M | $858.2M | $788.0M | $84.9M | $3.3M | 0.46% | 3.03% | 1.16% |
Loan mix (Q2 2026): real estate $590.5M · commercial $128.3M · consumer $29.9M · securities $100.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Border Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 59.0% | 63th |
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 | Border 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 | Border 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 | Border 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 | Border 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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