| Metric | Cross Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | -1.4% | +4.3% | -5.7 pts |
| Loan growth (YoY) | +5.0% | +5.3% | -0.4 pts |
| ROA | 1.91% | 1.28% | +0.6 pts |
| ROE | 18.2% | 12.4% | +5.7 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $593.5M | $480.7M | $469.4M | $62.6M | $5.5M | 1.91% | 4.91% | 2.28% |
| Q1 2026 | $564.4M | $499.3M | $451.6M | $60.6M | $2.8M | 2.01% | 5.03% | 1.21% |
| Q4 2025 | $567.6M | $479.4M | $443.4M | $58.7M | $9.6M | 1.74% | 4.68% | 1.03% |
| Q3 2025 | $572.2M | $508.6M | $464.1M | $57.4M | $7.5M | 1.81% | 4.67% | 0.75% |
| Q2 2025 | $557.4M | $487.5M | $447.2M | $55.3M | $5.1M | 1.87% | 4.67% | 0.76% |
| Q1 2025 | $553.4M | $485.9M | $441.2M | $53.9M | $2.7M | 1.99% | 4.84% | 0.37% |
| Q4 2024 | $524.6M | $409.3M | $414.2M | $51.5M | $8.4M | 1.79% | 5.03% | 0.39% |
| Q3 2024 | $507.8M | $400.0M | $417.5M | $53.0M | $6.6M | 1.92% | 5.13% | 0.49% |
Loan mix (Q2 2026): real estate $288.3M · commercial $35.5M · consumer $18.5M · securities $92.9M
| Ratio | Cross Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.5% | 61.2% | 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 | Cross 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 | Cross 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 | Cross 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 | Cross 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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