| Metric | BTC Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +35.7% | +5.5% | +30.2 pts |
| Deposit growth (YoY) | +37.0% | +5.1% | +31.9 pts |
| Loan growth (YoY) | +37.3% | +5.9% | +31.4 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.91B | $1.45B | $1.53B | $174.4M | $7.6M | 0.90% | 4.39% | 0.62% |
| Q1 2026 | $1.62B | $1.23B | $1.31B | $171.5M | $4.9M | 1.23% | 4.38% | 0.93% |
| Q4 2025 | $1.56B | $1.16B | $1.24B | $168.2M | $19.2M | 1.33% | 4.55% | 0.65% |
| Q3 2025 | $1.48B | $1.09B | $1.18B | $164.8M | $14.1M | 1.33% | 4.51% | 0.80% |
| Q2 2025 | $1.41B | $1.06B | $1.12B | $157.9M | $9.2M | 1.32% | 4.46% | 0.85% |
| Q1 2025 | $1.39B | $1.02B | $1.09B | $122.3M | $4.3M | 1.24% | 4.38% | 0.73% |
| Q4 2024 | $1.37B | $981.5M | $1.06B | $116.6M | $12.9M | 1.03% | 4.23% | 0.28% |
| Q3 2024 | $1.31B | $916.1M | $995.2M | $116.2M | $8.8M | 0.96% | 4.18% | 0.35% |
Loan mix (Q2 2026): real estate $1.15B · commercial $94.6M · consumer $28.5M · securities $204.3M
| Ratio | BTC Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 59.0% | 72th |
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 | BTC 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 | BTC 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 | BTC 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 | BTC 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.