| Metric | Brentwood Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +5.5% | -4.8 pts |
| Deposit growth (YoY) | -1.0% | +5.1% | -6.1 pts |
| Loan growth (YoY) | +2.2% | +5.9% | -3.7 pts |
| ROA | 0.10% | 1.26% | -1.2 pts |
| ROE | 1.1% | 12.2% | -11.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $736.7M | $783.2M | $99.2M | $517K | 0.10% | 2.42% | 0.57% |
| Q1 2026 | $1.04B | $732.2M | $777.6M | $98.7M | $249K | 0.10% | 2.35% | 0.80% |
| Q4 2025 | $1.02B | $748.0M | $768.2M | $98.8M | $622K | 0.06% | 2.26% | 0.81% |
| Q3 2025 | $1.04B | $759.9M | $774.4M | $98.8M | $874K | 0.11% | 2.21% | 0.61% |
| Q2 2025 | $1.04B | $744.4M | $766.4M | $96.6M | $588K | 0.12% | 2.19% | 0.43% |
| Q1 2025 | $994.7M | $705.8M | $771.9M | $95.5M | $150K | 0.06% | 2.20% | 0.08% |
| Q4 2024 | $1.02B | $695.7M | $772.7M | $94.4M | $-659K | -0.07% | 2.24% | 0.07% |
| Q3 2024 | $1.01B | $702.7M | $765.6M | $96.8M | $-407K | -0.06% | 2.25% | 0.08% |
Loan mix (Q2 2026): real estate $727.6M · commercial $47.4M · consumer $6.6M · securities $180.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Brentwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 1.26% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 59.0% | 99th |
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 | Brentwood 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 | Brentwood 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 | Brentwood 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 | Brentwood 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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