| Metric | FORTE BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | -1.5% | +4.0% | -5.4 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $404.5M | $336.3M | $333.3M | $43.1M | $2.3M | 1.11% | 3.93% | 0.05% |
| Q1 2026 | $407.4M | $346.2M | $335.4M | $42.1M | $1.1M | 1.02% | 3.73% | 0.01% |
| Q4 2025 | $432.2M | $372.5M | $324.2M | $41.4M | $3.5M | 0.85% | 3.48% | 0.10% |
| Q3 2025 | $397.8M | $338.9M | $320.2M | $40.7M | $2.6M | 0.86% | 3.43% | 0.01% |
| Q2 2025 | $399.7M | $341.3M | $315.1M | $40.0M | $1.6M | 0.78% | 3.28% | 0.01% |
| Q1 2025 | $400.8M | $338.6M | $308.1M | $39.4M | $598K | 0.59% | 3.08% | 0.08% |
| Q4 2024 | $410.4M | $343.7M | $290.9M | $39.0M | $2.5M | 0.66% | 3.10% | 0.06% |
| Q3 2024 | $379.4M | $312.5M | $291.4M | $38.6M | $1.9M | 0.69% | 3.16% | 0.04% |
Loan mix (Q2 2026): real estate $311.8M · commercial $24.0M · consumer $1.1M · securities $42.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | FORTE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th |
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 | FORTE 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 | FORTE 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 | FORTE 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 | FORTE 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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