| Metric | Haskell National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +3.0% | -3.7 pts |
| Deposit growth (YoY) | -2.1% | +2.5% | -4.6 pts |
| Loan growth (YoY) | -2.7% | +2.6% | -5.3 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 8.8% | 8.1% | +0.8 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.6M | $63.1M | $24.6M | $9.2M | $402K | 1.08% | 3.96% | 0.00% |
| Q1 2026 | $76.0M | $66.5M | $23.8M | $9.1M | $191K | 1.02% | 3.62% | 0.00% |
| Q4 2025 | $74.2M | $64.8M | $25.7M | $9.0M | $538K | 0.73% | 3.67% | 0.06% |
| Q3 2025 | $74.0M | $64.8M | $27.2M | $8.9M | $414K | 0.75% | 3.60% | 0.03% |
| Q2 2025 | $73.1M | $64.4M | $25.3M | $8.4M | $243K | 0.66% | 3.50% | 0.02% |
| Q1 2025 | $72.9M | $64.5M | $24.2M | $8.1M | $114K | 0.62% | 3.33% | 0.02% |
| Q4 2024 | $74.1M | $66.3M | $24.4M | $7.5M | $462K | 0.62% | 3.20% | 0.03% |
| Q3 2024 | $75.8M | $67.8M | $26.4M | $7.7M | $204K | 0.36% | 3.13% | 0.00% |
Loan mix (Q2 2026): real estate $15.9M · commercial $1.7M · consumer $2.3M · securities $33.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Haskell National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 8.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 70.8% | 59th |
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 | Haskell National 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 | Haskell National 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 | Haskell National 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 | Haskell National 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.