| Metric | GNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | -0.1% | +4.3% | -4.4 pts |
| Loan growth (YoY) | -1.5% | +5.3% | -6.8 pts |
| ROA | 1.68% | 1.28% | +0.4 pts |
| ROE | 13.4% | 12.4% | +0.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $621.3M | $498.0M | $440.5M | $79.2M | $5.2M | 1.68% | 4.10% | 0.45% |
| Q1 2026 | $609.2M | $514.5M | $439.7M | $77.3M | $2.4M | 1.53% | 3.98% | 0.63% |
| Q4 2025 | $630.7M | $494.5M | $451.4M | $77.2M | $9.2M | 1.48% | 3.95% | 0.86% |
| Q3 2025 | $625.4M | $515.6M | $450.3M | $75.3M | $7.1M | 1.52% | 3.91% | 0.99% |
| Q2 2025 | $626.8M | $498.2M | $447.1M | $72.0M | $4.1M | 1.33% | 3.85% | 1.00% |
| Q1 2025 | $609.5M | $507.2M | $435.0M | $69.7M | $1.7M | 1.13% | 3.70% | 1.03% |
| Q4 2024 | $629.3M | $497.6M | $436.2M | $66.1M | $7.2M | 1.14% | 3.44% | 0.00% |
| Q3 2024 | $630.0M | $507.2M | $435.1M | $67.9M | $5.3M | 1.12% | 3.38% | 0.00% |
Loan mix (Q2 2026): real estate $218.4M · commercial $87.5M · consumer $4.7M · securities $117.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | GNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.28% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 61.2% | 57th |
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 | GNB 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 | GNB 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 | GNB 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 | GNB 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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