| Metric | Clarkson Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +3.0% | +7.1 pts |
| Deposit growth (YoY) | +10.3% | +2.5% | +7.8 pts |
| Loan growth (YoY) | +22.6% | +2.6% | +20.0 pts |
| ROA | 1.71% | 0.99% | +0.7 pts |
| ROE | 16.7% | 8.1% | +8.7 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.4M | $70.7M | $42.5M | $8.2M | $673K | 1.71% | 3.68% | 0.10% |
| Q1 2026 | $76.4M | $65.9M | $42.6M | $8.0M | $311K | 1.61% | 3.62% | 0.12% |
| Q4 2025 | $78.5M | $60.9M | $43.2M | $7.9M | $978K | 1.31% | 3.29% | 0.13% |
| Q3 2025 | $73.1M | $61.9M | $37.9M | $7.8M | $747K | 1.35% | 3.26% | 0.15% |
| Q2 2025 | $74.0M | $64.1M | $34.7M | $7.4M | $464K | 1.26% | 3.14% | 0.23% |
| Q1 2025 | $74.5M | $64.9M | $33.1M | $7.2M | $209K | 1.14% | 2.99% | 0.16% |
| Q4 2024 | $72.8M | $61.0M | $36.7M | $6.9M | $762K | 1.06% | 2.86% | 0.02% |
| Q3 2024 | $72.3M | $62.7M | $32.9M | $7.1M | $547K | 1.02% | 2.82% | 0.02% |
Loan mix (Q2 2026): real estate $20.8M · commercial $3.4M · consumer $1.0M · securities $27.0M
| Ratio | Clarkson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.99% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 8.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 70.8% | 6th |
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 | Clarkson 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 | Clarkson 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 | Clarkson 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 | Clarkson 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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