| Metric | Grand Timber Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.0% | +2.9 pts |
| Deposit growth (YoY) | +7.2% | +2.5% | +4.7 pts |
| Loan growth (YoY) | +2.2% | +2.6% | -0.4 pts |
| ROA | 1.26% | 0.99% | +0.3 pts |
| ROE | 9.7% | 8.1% | +1.6 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.5M | $53.9M | $55.0M | $8.2M | $407K | 1.26% | 5.96% | 2.58% |
| Q1 2026 | $65.2M | $53.6M | $54.4M | $8.6M | $245K | 1.52% | 5.97% | 2.25% |
| Q4 2025 | $63.8M | $52.5M | $55.6M | $8.4M | $904K | 1.46% | 6.11% | 2.69% |
| Q3 2025 | $63.2M | $51.8M | $53.5M | $8.4M | $701K | 1.52% | 6.08% | 2.72% |
| Q2 2025 | $61.0M | $50.2M | $53.8M | $8.1M | $434K | 1.43% | 5.88% | 2.40% |
| Q1 2025 | $61.0M | $50.3M | $52.3M | $8.3M | $158K | 1.04% | 5.62% | 2.01% |
| Q4 2024 | $60.0M | $49.5M | $51.4M | $8.1M | $899K | 1.48% | 5.64% | 2.33% |
| Q3 2024 | $60.7M | $48.0M | $50.7M | $8.7M | $759K | 1.67% | 5.62% | 1.89% |
Loan mix (Q2 2026): real estate $45.0M · commercial $5.8M · consumer $4.6M · securities $3.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Grand Timber Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.99% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 8.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 70.8% | 39th |
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 Timber 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 Timber 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 Timber 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 Timber 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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