| Metric | Highlands Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +1.0 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 11.9% | 11.9% | +0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $407.1M | $356.8M | $306.1M | $43.2M | $2.5M | 1.27% | 4.40% | 0.75% |
| Q1 2026 | $396.9M | $343.1M | $299.6M | $42.7M | $1.2M | 1.24% | 4.35% | 0.96% |
| Q4 2025 | $396.7M | $343.3M | $299.0M | $42.0M | $3.7M | 0.98% | 4.25% | 0.97% |
| Q3 2025 | $379.7M | $327.5M | $292.3M | $40.6M | $2.8M | 1.00% | 4.22% | 1.26% |
| Q2 2025 | $376.8M | $324.9M | $287.3M | $39.6M | $1.8M | 1.00% | 4.15% | 1.24% |
| Q1 2025 | $366.2M | $310.8M | $279.7M | $38.9M | $917K | 1.01% | 4.09% | 1.34% |
| Q4 2024 | $359.3M | $304.8M | $278.0M | $37.9M | $3.3M | 0.95% | 3.99% | 1.38% |
| Q3 2024 | $355.9M | $301.3M | $270.1M | $36.7M | $2.2M | 0.85% | 3.96% | 1.15% |
Loan mix (Q2 2026): real estate $271.8M · commercial $18.4M · consumer $13.6M · securities $48.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Highlands Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 62.9% | 54th |
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 | Highlands 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 | Highlands 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 | Highlands 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 | Highlands 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.