| Metric | Connections Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.9% | -1.7 pts |
| Deposit growth (YoY) | +3.8% | +4.3% | -0.6 pts |
| Loan growth (YoY) | +8.6% | +5.3% | +3.2 pts |
| ROA | 1.95% | 1.28% | +0.7 pts |
| ROE | 18.8% | 12.4% | +6.3 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.6M | $456.3M | $429.2M | $54.3M | $5.0M | 1.95% | 4.95% | 0.00% |
| Q1 2026 | $520.1M | $465.0M | $428.1M | $53.0M | $2.4M | 1.91% | 4.95% | 0.00% |
| Q4 2025 | $492.8M | $439.3M | $411.5M | $51.8M | $8.7M | 1.75% | 4.72% | 0.00% |
| Q3 2025 | $508.1M | $453.8M | $404.5M | $52.7M | $6.3M | 1.70% | 4.60% | 0.00% |
| Q2 2025 | $500.7M | $439.8M | $395.4M | $51.7M | $4.1M | 1.67% | 4.59% | 0.00% |
| Q1 2025 | $493.0M | $425.4M | $391.5M | $50.8M | $1.9M | 1.58% | 4.42% | 0.00% |
| Q4 2024 | $482.3M | $416.2M | $394.0M | $49.9M | $7.5M | 1.57% | 4.35% | 0.00% |
| Q3 2024 | $475.4M | $408.8M | $395.1M | $50.0M | $5.6M | 1.56% | 4.35% | 0.00% |
Loan mix (Q2 2026): real estate $414.8M · commercial $8.6M · consumer $2.9M · securities $5.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Connections Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.8% | 61.2% | 7th |
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 | Connections 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 | Connections 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 | Connections 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 | Connections 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.