| Metric | Great North Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.4% | +4.4% | +24.1 pts |
| Deposit growth (YoY) | +28.9% | +4.0% | +25.0 pts |
| Loan growth (YoY) | +53.5% | +5.6% | +48.0 pts |
| ROA | -0.86% | 1.24% | -2.1 pts |
| ROE | -5.6% | 11.9% | -17.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $233.4M | $174.4M | $153.9M | $34.7M | $-963K | -0.86% | 4.14% | 0.96% |
| Q1 2026 | $221.8M | $170.4M | $142.6M | $34.3M | $-736K | -1.34% | 3.62% | 1.00% |
| Q4 2025 | $218.2M | $172.3M | $132.6M | $33.5M | $-318K | -0.17% | 4.22% | 0.87% |
| Q3 2025 | $201.7M | $151.4M | $121.9M | $33.3M | $-317K | -0.23% | 4.20% | 0.75% |
| Q2 2025 | $181.7M | $135.3M | $100.2M | $32.3M | $-601K | -0.67% | 3.88% | 0.93% |
| Q1 2025 | $175.3M | $132.9M | $88.1M | $33.5M | $-171K | -0.39% | 3.72% | 0.77% |
| Q4 2024 | $178.7M | $135.7M | $79.6M | $34.0M | $-686K | -0.41% | 2.77% | 1.25% |
| Q3 2024 | $173.7M | $130.5M | $87.5M | $34.7M | $-983K | -0.80% | 2.37% | 1.17% |
Loan mix (Q2 2026): real estate $139.7M · commercial $5.5M · consumer $6.8M · securities $39.6M
| Ratio | Great North Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.86% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 102.0% | 62.9% | 98th |
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 | Great North 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 | Great North 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 | Great North 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 | Great North 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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