| Metric | Fusion Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +15.1% | +5.6% | +9.5 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 15.4% | 11.9% | +3.6 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 | $281.0M | $219.1M | $127.7M | $34.0M | $2.6M | 2.01% | 3.95% | 0.22% |
| Q1 2026 | $233.6M | $174.3M | $126.9M | $32.8M | $1.1M | 1.78% | 3.98% | 0.00% |
| Q4 2025 | $246.6M | $185.5M | $126.6M | $32.5M | $4.6M | 1.88% | 3.78% | 0.00% |
| Q3 2025 | $218.2M | $156.7M | $120.7M | $31.5M | $3.5M | 1.89% | 3.80% | 0.00% |
| Q2 2025 | $260.6M | $213.0M | $110.9M | $30.1M | $2.2M | 1.74% | 3.59% | 0.00% |
| Q1 2025 | $235.4M | $189.5M | $113.1M | $29.0M | $1.1M | 1.72% | 3.79% | 0.00% |
| Q4 2024 | $264.0M | $220.1M | $115.8M | $27.8M | $4.5M | 1.95% | 3.71% | 0.00% |
| Q3 2024 | $214.1M | $158.9M | $110.4M | $27.6M | $3.5M | 2.07% | 3.80% | 0.00% |
Loan mix (Q2 2026): real estate $90.7M · commercial $26.9M · consumer $202K · securities $48.1M
| Ratio | Fusion 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 | 15.4% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 62.9% | 16th |
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 | Fusion 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 | Fusion 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 | Fusion 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 | Fusion 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.