| Metric | Business Bank, The | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.7% | +4.4% | +26.3 pts |
| Deposit growth (YoY) | +28.1% | +4.0% | +24.1 pts |
| Loan growth (YoY) | +57.6% | +5.6% | +52.0 pts |
| ROA | -0.33% | 1.24% | -1.6 pts |
| ROE | -2.8% | 11.9% | -14.7 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 | $352.2M | $310.8M | $234.8M | $39.2M | $-504K | -0.33% | 3.04% | 0.06% |
| Q1 2026 | $286.7M | $250.7M | $205.3M | $35.0M | $-110K | -0.15% | 3.11% | 0.00% |
| Q4 2025 | $288.1M | $252.1M | $185.0M | $34.0M | $-897K | -0.32% | 2.51% | 0.00% |
| Q3 2025 | $307.1M | $279.1M | $158.4M | $27.0M | $-103K | -0.05% | 2.35% | 0.00% |
| Q2 2025 | $269.5M | $242.7M | $149.0M | $25.8M | $82K | 0.06% | 2.35% | 0.00% |
| Q1 2025 | $273.6M | $247.8M | $142.2M | $24.9M | $14K | 0.02% | 2.32% | 0.00% |
| Q4 2024 | $261.2M | $236.5M | $136.5M | $23.7M | $-2.0M | -0.94% | 2.06% | 0.00% |
| Q3 2024 | $257.8M | $230.1M | $111.0M | $26.8M | $-1.6M | -1.05% | 1.98% | 0.00% |
Loan mix (Q2 2026): real estate $197.8M · commercial $39.7M · consumer $0 · securities $45.4M
| Ratio | Business Bank, The | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.33% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -2.8% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.4% | 62.9% | 98th |
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 | Business Bank, The | 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 | Business Bank, The | 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 | Business Bank, The | 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 | Business Bank, The | 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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