| Metric | Catalyst Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.8 pts |
| Loan growth (YoY) | -2.8% | +5.6% | -8.3 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $286.8M | $201.2M | $160.6M | $74.6M | $1.3M | 0.93% | 4.01% | 0.81% |
| Q1 2026 | $285.3M | $200.6M | $161.4M | $73.8M | $661K | 0.94% | 3.99% | 0.95% |
| Q4 2025 | $279.6M | $190.7M | $167.8M | $73.0M | $2.2M | 0.80% | 3.95% | 0.96% |
| Q3 2025 | $280.5M | $192.5M | $162.4M | $72.1M | $1.7M | 0.83% | 3.94% | 0.68% |
| Q2 2025 | $270.5M | $188.5M | $165.1M | $71.3M | $1.2M | 0.88% | 3.96% | 0.65% |
| Q1 2025 | $268.2M | $182.5M | $163.6M | $75.4M | $613K | 0.91% | 3.88% | 0.64% |
| Q4 2024 | $273.3M | $188.4M | $164.6M | $74.2M | $-2.7M | -0.97% | 3.83% | 0.67% |
| Q3 2024 | $276.9M | $171.3M | $163.5M | $74.2M | $-3.3M | -1.60% | 3.76% | 0.58% |
Loan mix (Q2 2026): real estate $134.8M · commercial $26.3M · consumer $1.7M · securities $64.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Catalyst Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 62.9% | 78th |
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 | Catalyst 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 | Catalyst 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 | Catalyst 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 | Catalyst 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.