| Metric | Granite Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.8 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 15.7% | 11.9% | +3.8 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 | $353.2M | $289.3M | $311.7M | $31.3M | $2.4M | 1.37% | 4.63% | 1.23% |
| Q1 2026 | $346.9M | $297.4M | $306.5M | $30.2M | $1.0M | 1.17% | 4.65% | 1.29% |
| Q4 2025 | $350.7M | $291.8M | $308.7M | $30.0M | $3.1M | 0.94% | 4.37% | 0.78% |
| Q3 2025 | $341.1M | $295.8M | $296.7M | $29.7M | $2.4M | 1.01% | 4.35% | 0.62% |
| Q2 2025 | $328.0M | $273.4M | $285.1M | $29.2M | $1.5M | 0.96% | 4.25% | 0.58% |
| Q1 2025 | $308.5M | $272.7M | $269.4M | $27.8M | $581K | 0.76% | 4.29% | 0.67% |
| Q4 2024 | $306.5M | $255.1M | $265.5M | $27.4M | $2.3M | 0.79% | 3.95% | 0.59% |
| Q3 2024 | $301.6M | $256.4M | $259.6M | $27.3M | $1.5M | 0.69% | 3.86% | 0.40% |
Loan mix (Q2 2026): real estate $249.7M · commercial $49.4M · consumer $4.7M · securities $15.7M
| Ratio | Granite 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 | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 62.9% | 92th |
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 | Granite 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 | Granite 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 | Granite 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 | Granite 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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