| Metric | Burling Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +14.5% | +4.0% | +10.5 pts |
| Loan growth (YoY) | +4.2% | +5.6% | -1.4 pts |
| ROA | 2.43% | 1.24% | +1.2 pts |
| ROE | 17.1% | 11.9% | +5.2 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $214.2M | $180.3M | $173.8M | $31.8M | $2.6M | 2.43% | 4.92% | 3.10% |
| Q1 2026 | $237.8M | $204.9M | $162.0M | $30.8M | $1.4M | 2.58% | 4.87% | 2.77% |
| Q4 2025 | $198.9M | $166.9M | $161.7M | $30.1M | $5.3M | 2.55% | 5.02% | 0.44% |
| Q3 2025 | $196.5M | $157.8M | $161.5M | $28.6M | $3.7M | 2.39% | 4.98% | 0.32% |
| Q2 2025 | $205.9M | $157.5M | $166.9M | $27.7M | $2.6M | 2.43% | 5.01% | 0.00% |
| Q1 2025 | $218.1M | $180.0M | $170.4M | $27.7M | $1.2M | 2.30% | 4.79% | 0.45% |
| Q4 2024 | $214.0M | $184.7M | $170.8M | $26.8M | $5.2M | 2.31% | 4.59% | 0.46% |
| Q3 2024 | $227.8M | $176.2M | $180.8M | $26.1M | $4.2M | 2.48% | 4.53% | 0.43% |
Loan mix (Q2 2026): real estate $139.2M · commercial $36.5M · consumer $554K · securities $18.0M
| Ratio | Burling Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.43% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 62.9% | 23th |
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 | Burling 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 | Burling 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 | Burling 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 | Burling 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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