| Metric | Fleetwood Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +0.9 pts |
| ROA | 0.80% | 1.24% | -0.4 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $415.6M | $381.1M | $242.6M | $29.2M | $1.6M | 0.80% | 3.64% | 0.33% |
| Q1 2026 | $398.7M | $365.0M | $235.3M | $28.3M | $672K | 0.67% | 3.55% | 0.35% |
| Q4 2025 | $401.6M | $355.6M | $237.3M | $27.8M | $2.3M | 0.59% | 3.30% | 0.35% |
| Q3 2025 | $392.3M | $359.7M | $228.9M | $27.2M | $1.8M | 0.61% | 3.26% | 0.36% |
| Q2 2025 | $394.9M | $363.6M | $227.8M | $26.2M | $1.0M | 0.52% | 3.15% | 0.36% |
| Q1 2025 | $388.3M | $358.2M | $220.7M | $25.0M | $519K | 0.53% | 3.04% | 0.34% |
| Q4 2024 | $389.9M | $360.7M | $219.7M | $23.9M | $1.4M | 0.37% | 2.80% | 0.34% |
| Q3 2024 | $388.6M | $356.3M | $219.3M | $24.5M | $937K | 0.32% | 2.75% | 0.29% |
Loan mix (Q2 2026): real estate $211.8M · commercial $24.3M · consumer $162K · securities $132.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fleetwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 62.9% | 73th |
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 | Fleetwood 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 | Fleetwood 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 | Fleetwood 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 | Fleetwood 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.