| Metric | Grand Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.3 pts |
| Deposit growth (YoY) | +5.1% | +4.3% | +0.8 pts |
| Loan growth (YoY) | +10.4% | +5.3% | +5.1 pts |
| ROA | 1.50% | 1.28% | +0.2 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $712.8M | $617.9M | $554.5M | $66.2M | $5.1M | 1.50% | 4.31% | 0.00% |
| Q1 2026 | $679.2M | $575.7M | $534.3M | $65.0M | $2.4M | 1.44% | 4.19% | 0.00% |
| Q4 2025 | $653.8M | $562.6M | $530.2M | $63.3M | $8.3M | 1.28% | 4.12% | 0.06% |
| Q3 2025 | $670.2M | $589.6M | $521.8M | $62.3M | $6.1M | 1.25% | 4.06% | 0.03% |
| Q2 2025 | $664.6M | $588.0M | $502.1M | $58.9M | $4.0M | 1.25% | 4.02% | 0.03% |
| Q1 2025 | $647.3M | $571.0M | $502.3M | $58.0M | $2.1M | 1.34% | 4.09% | 0.00% |
| Q4 2024 | $625.1M | $550.7M | $505.7M | $56.7M | $6.6M | 1.08% | 3.72% | 0.07% |
| Q3 2024 | $631.1M | $554.6M | $503.5M | $57.9M | $4.6M | 1.01% | 3.61% | 0.03% |
Loan mix (Q2 2026): real estate $474.0M · commercial $88.8M · consumer $539K · securities $76.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grand Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 61.2% | 25th |
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 | Grand 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 | Grand 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 | Grand 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 | Grand 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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