| Metric | Guadalupe Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.1 pts |
| Deposit growth (YoY) | +13.2% | +4.0% | +9.3 pts |
| Loan growth (YoY) | +11.0% | +5.6% | +5.4 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.1M | $234.1M | $200.8M | $25.4M | $1.6M | 1.28% | 5.26% | 0.00% |
| Q1 2026 | $253.4M | $227.0M | $183.6M | $25.3M | $949K | 1.53% | 5.17% | 0.00% |
| Q4 2025 | $243.4M | $218.1M | $174.4M | $24.4M | $4.5M | 1.87% | 5.18% | 0.00% |
| Q3 2025 | $239.9M | $214.7M | $175.2M | $24.1M | $3.6M | 2.04% | 5.21% | 0.00% |
| Q2 2025 | $236.4M | $206.8M | $180.9M | $23.6M | $2.5M | 2.14% | 5.16% | 0.00% |
| Q1 2025 | $242.2M | $212.8M | $177.0M | $23.4M | $1.3M | 2.14% | 5.09% | 0.28% |
| Q4 2024 | $234.0M | $205.8M | $184.9M | $22.1M | $4.6M | 1.87% | 4.84% | 0.29% |
| Q3 2024 | $249.8M | $221.6M | $189.0M | $22.0M | $3.8M | 2.04% | 4.75% | 0.00% |
Loan mix (Q2 2026): real estate $198.5M · commercial $3.6M · consumer $670K · securities $249K
| Ratio | Guadalupe Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61th |
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 | Guadalupe 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 | Guadalupe 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 | Guadalupe 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 | Guadalupe 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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