| Metric | DNB NATIONAL BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +3.2% | +5.6% | -2.4 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 30.9% | 11.9% | +19.1 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.1M | $114.3M | $30.1M | $7.7M | $1.2M | 2.01% | 3.15% | 0.00% |
| Q1 2026 | $119.6M | $109.9M | $28.8M | $7.6M | $616K | 2.08% | 3.13% | 0.00% |
| Q4 2025 | $116.8M | $106.1M | $31.7M | $8.1M | $1.6M | 1.39% | 2.90% | 0.00% |
| Q3 2025 | $115.1M | $105.7M | $30.9M | $7.5M | $1.3M | 1.49% | 2.81% | 0.00% |
| Q2 2025 | $115.7M | $106.9M | $29.2M | $6.9M | $866K | 1.55% | 2.77% | 0.02% |
| Q1 2025 | $109.7M | $101.4M | $27.8M | $6.4M | $417K | 1.52% | 2.68% | 0.03% |
| Q4 2024 | $109.7M | $99.5M | $28.2M | $6.2M | $1.2M | 1.09% | 2.32% | 0.03% |
| Q3 2024 | $108.3M | $100.0M | $28.6M | $5.9M | $957K | 1.18% | 2.26% | 0.03% |
Loan mix (Q2 2026): real estate $14.0M · commercial $8.5M · consumer $1.8M · securities $82.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | DNB NATIONAL BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 30.9% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 62.9% | 26th |
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 | DNB NATIONAL 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 | DNB NATIONAL 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 | DNB NATIONAL 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 | DNB NATIONAL 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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