| Metric | Great Oaks Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 14.7% | 11.9% | +2.9 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $422.0M | $374.4M | $274.2M | $41.0M | $3.0M | 1.42% | 4.52% | 0.07% |
| Q1 2026 | $423.6M | $377.8M | $282.0M | $39.1M | $1.4M | 1.37% | 4.57% | 0.02% |
| Q4 2025 | $399.3M | $354.6M | $272.1M | $40.1M | $6.3M | 1.60% | 4.67% | 0.04% |
| Q3 2025 | $408.9M | $368.9M | $260.3M | $33.5M | $4.7M | 1.61% | 4.65% | 0.05% |
| Q2 2025 | $395.6M | $358.1M | $264.7M | $31.9M | $3.1M | 1.63% | 4.65% | 0.08% |
| Q1 2025 | $381.1M | $344.7M | $267.9M | $30.9M | $1.5M | 1.56% | 4.68% | 0.08% |
| Q4 2024 | $375.2M | $341.5M | $246.7M | $29.8M | $5.4M | 1.45% | 4.43% | 0.08% |
| Q3 2024 | $381.6M | $347.1M | $246.4M | $30.3M | $4.1M | 1.47% | 4.43% | 0.09% |
Loan mix (Q2 2026): real estate $239.7M · commercial $24.9M · consumer $11.4M · securities $95.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Great Oaks Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 62.9% | 65th |
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 Oaks 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 Oaks 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 Oaks 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 Oaks Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.