| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.4% | +4.4% | +17.1 pts |
| Deposit growth (YoY) | +21.5% | +4.0% | +17.5 pts |
| Loan growth (YoY) | +58.6% | +5.6% | +53.0 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.1M | $109.4M | $78.9M | $9.7M | $801K | 1.37% | 4.16% | 0.02% |
| Q1 2026 | $111.3M | $100.3M | $70.5M | $8.8M | $210K | 0.73% | 3.80% | 1.30% |
| Q4 2025 | $118.5M | $109.2M | $57.6M | $8.6M | $448K | 0.45% | 3.49% | 0.42% |
| Q3 2025 | $95.6M | $86.6M | $52.8M | $8.5M | $305K | 0.43% | 3.60% | 0.52% |
| Q2 2025 | $98.9M | $90.1M | $49.8M | $8.2M | $58K | 0.12% | 3.48% | 0.06% |
| Q1 2025 | $95.0M | $86.4M | $45.7M | $8.1M | $-42K | -0.18% | 3.29% | 0.01% |
| Q4 2024 | $87.5M | $75.7M | $37.2M | $8.2M | $658K | 0.92% | 4.05% | 0.02% |
| Q3 2024 | $73.9M | $65.0M | $36.1M | $8.5M | $655K | 1.30% | 4.07% | 0.02% |
Loan mix (Q2 2026): real estate $39.6M · commercial $5.9M · consumer $509K · securities $188K
| Ratio | Global Innovations Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 62.9% | 71th |
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 | Global Innovations 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 | Global Innovations 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 | Global Innovations 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 | Global Innovations 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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