| Metric | Brickyard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +4.4% | -7.8 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 8.8% | 11.9% | -3.0 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.0M | $123.1M | $118.3M | $26.0M | $1.1M | 1.35% | 4.55% | 0.10% |
| Q1 2026 | $165.8M | $125.4M | $122.2M | $25.5M | $610K | 1.42% | 4.49% | 0.00% |
| Q4 2025 | $177.3M | $137.2M | $123.0M | $25.0M | $1.9M | 1.07% | 3.92% | 0.00% |
| Q3 2025 | $185.8M | $140.8M | $108.8M | $24.6M | $1.3M | 1.02% | 3.86% | 0.05% |
| Q2 2025 | $164.6M | $117.6M | $114.8M | $23.7M | $816K | 0.94% | 3.88% | 0.04% |
| Q1 2025 | $172.1M | $121.4M | $118.7M | $23.4M | $501K | 1.12% | 3.91% | 0.00% |
| Q4 2024 | $185.7M | $135.6M | $117.5M | $22.7M | $1.2M | 0.73% | 3.72% | 0.00% |
| Q3 2024 | $171.7M | $121.4M | $119.8M | $22.9M | $1.0M | 0.82% | 3.79% | 0.00% |
Loan mix (Q2 2026): real estate $111.5M · commercial $8.0M · consumer $232K · securities $17.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Brickyard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 62.9% | 43th |
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 | Brickyard 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 | Brickyard 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 | Brickyard 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 | Brickyard 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.