| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.9% | +1.7 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +4.3% | +5.3% | -1.0 pts |
| ROA | 1.73% | 1.28% | +0.4 pts |
| ROE | 18.9% | 12.4% | +6.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $758.7M | $676.6M | $628.4M | $70.7M | $6.5M | 1.73% | 3.39% | 0.03% |
| Q1 2026 | $772.0M | $690.7M | $628.2M | $68.9M | $3.2M | 1.70% | 3.30% | 0.16% |
| Q4 2025 | $740.2M | $659.0M | $623.2M | $67.8M | $10.2M | 1.41% | 3.23% | 0.15% |
| Q3 2025 | $735.2M | $654.9M | $589.4M | $66.9M | $8.5M | 1.57% | 3.21% | 0.03% |
| Q2 2025 | $712.0M | $634.5M | $602.4M | $64.7M | $5.4M | 1.50% | 3.19% | 0.01% |
| Q1 2025 | $726.2M | $650.2M | $606.8M | $62.5M | $2.5M | 1.39% | 3.05% | 0.13% |
| Q4 2024 | $709.8M | $625.9M | $598.9M | $60.6M | $7.5M | 1.09% | 2.92% | 0.14% |
| Q3 2024 | $674.7M | $599.0M | $569.3M | $61.3M | $5.9M | 1.17% | 2.89% | 0.09% |
Loan mix (Q2 2026): real estate $419.1M · commercial $67.9M · consumer $8.3M · securities $56.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Green Belt Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 12.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 61.2% | 24th |
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 | Green Belt Bank & Trust | 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 | Green Belt Bank & Trust | 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 | Green Belt Bank & Trust | 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 | Green Belt Bank & Trust | 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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