| Metric | Hatch Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.2% | +4.4% | +15.8 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.1 pts |
| ROA | 0.30% | 1.24% | -0.9 pts |
| ROE | 1.5% | 11.9% | -10.4 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $177.5M | $41.3M | $109.9M | $37.2M | $275K | 0.30% | 5.31% | 0.06% |
| Q1 2026 | $186.8M | $57.1M | $117.9M | $39.1M | $2.2M | 4.77% | 5.36% | 0.16% |
| Q4 2025 | $182.4M | $55.9M | $116.3M | $36.9M | $5.2M | 3.50% | 4.83% | 0.37% |
| Q3 2025 | $162.9M | $53.5M | $97.2M | $35.4M | $3.9M | 3.72% | 5.45% | 0.18% |
| Q2 2025 | $147.7M | $40.7M | $95.1M | $32.8M | $2.0M | 3.03% | 5.44% | 0.10% |
| Q1 2025 | $134.3M | $40.7M | $83.2M | $31.4M | $729K | 2.31% | 4.93% | 0.23% |
| Q4 2024 | $117.7M | $34.0M | $70.8M | $30.2M | $1.6M | 1.13% | 2.73% | 0.27% |
| Q3 2024 | $121.8M | $37.9M | $73.5M | $30.7M | $1.4M | 1.32% | 2.43% | 0.06% |
Loan mix (Q2 2026): real estate $648K · commercial $8.5M · consumer $100.9M · securities $29.0M
| Ratio | Hatch Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 151.6% | 62.9% | 99th |
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 | Hatch 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 | Hatch 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 | Hatch 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 | Hatch 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.