| Metric | Gainey Business Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +56.1% | +4.4% | +51.8 pts |
| Deposit growth (YoY) | +52.9% | +4.0% | +49.0 pts |
| Loan growth (YoY) | +59.1% | +5.6% | +53.6 pts |
| ROA | -0.07% | 1.24% | -1.3 pts |
| ROE | -0.7% | 11.9% | -12.6 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.6M | $89.7M | $95.1M | $13.4M | $-36K | -0.07% | 4.56% | 0.06% |
| Q1 2026 | $102.8M | $93.9M | $91.5M | $7.9M | $-160K | -0.62% | 4.53% | 0.06% |
| Q4 2025 | $103.7M | $94.4M | $86.5M | $8.0M | $-1.5M | -2.06% | 4.60% | 0.25% |
| Q3 2025 | $79.2M | $69.7M | $67.5M | $8.3M | $-1.1M | -2.26% | 4.75% | 0.33% |
| Q2 2025 | $68.3M | $58.7M | $59.8M | $8.4M | $-792K | -2.71% | 4.71% | 0.38% |
| Q1 2025 | $54.9M | $38.9M | $50.9M | $8.7M | $-471K | -3.52% | 4.70% | 0.00% |
| Q4 2024 | $52.1M | $37.4M | $44.2M | $9.1M | $-2.7M | -6.04% | 4.40% | 0.00% |
| Q3 2024 | $42.8M | $31.4M | $34.4M | $9.9M | $-1.7M | -5.36% | 4.32% | 0.00% |
Loan mix (Q2 2026): real estate $49.2M · commercial $47.1M · consumer $0 · securities $0
| Ratio | Gainey Business Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.7% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.1% | 62.9% | 97th |
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 | Gainey Business 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 | Gainey Business 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 | Gainey Business 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 | Gainey Business 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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