| Metric | GreenLeaf Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +0.3% | +5.6% | -5.3 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.7M | $135.5M | $88.9M | $12.5M | $896K | 1.15% | 3.22% | 0.33% |
| Q1 2026 | $154.3M | $131.6M | $91.7M | $12.2M | $439K | 1.13% | 3.18% | 0.34% |
| Q4 2025 | $155.1M | $132.0M | $92.6M | $12.0M | $1.1M | 0.75% | 3.03% | 0.32% |
| Q3 2025 | $151.3M | $129.2M | $90.1M | $11.4M | $928K | 0.83% | 2.96% | 0.34% |
| Q2 2025 | $147.5M | $126.3M | $88.7M | $10.5M | $610K | 0.82% | 2.94% | 0.02% |
| Q1 2025 | $149.1M | $128.6M | $89.5M | $9.7M | $293K | 0.79% | 2.86% | 0.00% |
| Q4 2024 | $148.2M | $125.4M | $87.7M | $8.9M | $986K | 0.73% | 2.86% | 0.08% |
| Q3 2024 | $134.1M | $120.5M | $90.3M | $9.8M | $734K | 0.74% | 2.91% | 0.06% |
Loan mix (Q2 2026): real estate $77.0M · commercial $8.9M · consumer $599K · securities $50.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | GreenLeaf Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 62.9% | 50th |
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 | GreenLeaf 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 | GreenLeaf 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 | GreenLeaf 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 | GreenLeaf 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.