| Metric | Harmony Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 7.0% | 12.4% | -5.4 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $855.3M | $707.7M | $622.6M | $139.2M | $4.8M | 1.16% | 5.02% | 0.01% |
| Q1 2026 | $816.6M | $671.2M | $600.0M | $137.5M | $2.6M | 1.25% | 5.04% | 0.01% |
| Q4 2025 | $837.9M | $692.8M | $586.4M | $135.6M | $8.2M | 1.00% | 4.89% | 0.08% |
| Q3 2025 | $814.5M | $682.6M | $587.8M | $123.0M | $5.7M | 0.93% | 4.86% | 0.32% |
| Q2 2025 | $824.7M | $665.9M | $588.4M | $120.7M | $3.5M | 0.86% | 4.83% | 0.36% |
| Q1 2025 | $822.8M | $670.8M | $608.0M | $119.3M | $1.2M | 0.59% | 4.71% | 0.36% |
| Q4 2024 | $784.5M | $659.1M | $577.0M | $118.2M | $5.9M | 0.76% | 4.13% | 0.37% |
| Q3 2024 | $816.1M | $672.0M | $548.0M | $118.5M | $4.5M | 0.77% | 4.06% | 0.12% |
Loan mix (Q2 2026): real estate $529.9M · commercial $87.1M · consumer $4.5M · securities $100.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Harmony Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 61.2% | 46th |
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 | Harmony 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 | Harmony 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 | Harmony 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 | Harmony 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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