| Metric | Highland Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +0.3% | +5.3% | -5.0 pts |
| ROA | 0.04% | 1.28% | -1.2 pts |
| ROE | 0.6% | 12.4% | -11.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $775.9M | $684.4M | $548.9M | $57.1M | $159K | 0.04% | 3.94% | 1.94% |
| Q1 2026 | $769.8M | $670.6M | $537.8M | $57.2M | $568K | 0.30% | 3.88% | 0.92% |
| Q4 2025 | $765.5M | $661.2M | $535.6M | $57.4M | $103K | 0.01% | 4.01% | 0.91% |
| Q3 2025 | $779.0M | $671.2M | $548.3M | $58.8M | $2.8M | 0.47% | 3.99% | 1.48% |
| Q2 2025 | $778.3M | $655.4M | $547.3M | $56.3M | $1.5M | 0.39% | 3.94% | 1.48% |
| Q1 2025 | $793.3M | $688.7M | $543.2M | $57.0M | $1.5M | 0.79% | 3.94% | 0.07% |
| Q4 2024 | $761.1M | $655.9M | $535.0M | $55.0M | $5.2M | 0.67% | 3.70% | 0.16% |
| Q3 2024 | $787.1M | $662.6M | $533.8M | $57.4M | $3.6M | 0.61% | 3.63% | 0.03% |
Loan mix (Q2 2026): real estate $423.8M · commercial $139.0M · consumer $348K · securities $188.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Highland Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.6% | 12.4% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 61.2% | 83th |
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 | Highland 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 | Highland 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 | Highland 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 | Highland 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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