| Metric | Byron Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 2.07% | 1.24% | +0.8 pts |
| ROE | 24.7% | 11.9% | +12.8 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.4M | $338.1M | $252.1M | $32.0M | $3.8M | 2.07% | 3.47% | 0.84% |
| Q1 2026 | $368.0M | $332.7M | $249.3M | $31.5M | $2.3M | 2.49% | 3.41% | 0.76% |
| Q4 2025 | $360.1M | $323.9M | $245.0M | $29.8M | $4.3M | 1.17% | 3.11% | 0.51% |
| Q3 2025 | $371.4M | $335.5M | $239.2M | $29.0M | $3.1M | 1.13% | 3.03% | 0.54% |
| Q2 2025 | $370.7M | $332.8M | $236.9M | $29.4M | $2.0M | 1.09% | 2.98% | 0.70% |
| Q1 2025 | $363.5M | $332.0M | $226.0M | $28.9M | $768K | 0.85% | 2.85% | 0.46% |
| Q4 2024 | $362.8M | $333.3M | $230.1M | $26.9M | $1.7M | 0.49% | 2.45% | 0.42% |
| Q3 2024 | $366.9M | $334.8M | $230.7M | $29.0M | $1.2M | 0.45% | 2.37% | 0.36% |
Loan mix (Q2 2026): real estate $214.6M · commercial $25.6M · consumer $4.6M · securities $99.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Byron Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 24.7% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 62.9% | 20th |
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 | Byron 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 | Byron 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 | Byron 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 | Byron 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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