| Metric | Bristol Morgan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +19.4% | +4.0% | +15.5 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 9.0% | 11.9% | -2.9 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 | $191.2M | $157.1M | $153.0M | $19.8M | $872K | 0.91% | 4.23% | 0.35% |
| Q1 2026 | $192.9M | $150.8M | $158.6M | $19.3M | $295K | 0.61% | 4.10% | 0.45% |
| Q4 2025 | $191.7M | $149.9M | $156.1M | $19.0M | $1.5M | 0.84% | 4.26% | 0.35% |
| Q3 2025 | $180.8M | $138.7M | $147.8M | $19.3M | $981K | 0.75% | 4.17% | 0.37% |
| Q2 2025 | $176.8M | $131.5M | $144.3M | $18.7M | $708K | 0.82% | 4.10% | 0.50% |
| Q1 2025 | $166.9M | $127.3M | $138.4M | $18.3M | $293K | 0.69% | 3.96% | 0.53% |
| Q4 2024 | $173.5M | $136.1M | $143.3M | $18.1M | $825K | 0.50% | 3.83% | 0.38% |
| Q3 2024 | $171.5M | $132.4M | $138.3M | $17.9M | $400K | 0.33% | 3.72% | 2.53% |
Loan mix (Q2 2026): real estate $141.0M · commercial $12.0M · consumer $782K · securities $16.2M
| Ratio | Bristol Morgan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 74th |
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 | Bristol Morgan 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 | Bristol Morgan 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 | Bristol Morgan 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 | Bristol Morgan 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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