| Metric | I3 Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.5 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $225.5M | $195.8M | $168.7M | $18.3M | $1.0M | 0.92% | 4.89% | 0.25% |
| Q1 2026 | $226.2M | $197.3M | $174.6M | $17.8M | $547K | 0.98% | 4.85% | 1.63% |
| Q4 2025 | $218.1M | $172.3M | $169.5M | $18.1M | $1.3M | 0.60% | 4.81% | 1.22% |
| Q3 2025 | $215.3M | $184.4M | $166.9M | $17.3M | $733K | 0.47% | 4.76% | 1.25% |
| Q2 2025 | $204.8M | $186.4M | $149.2M | $17.1M | $542K | 0.53% | 4.83% | 1.83% |
| Q1 2025 | $203.1M | $185.1M | $147.7M | $16.7M | $231K | 0.46% | 4.98% | 1.79% |
| Q4 2024 | $201.4M | $181.8M | $153.5M | $16.6M | $2.1M | 1.06% | 3.95% | 2.27% |
| Q3 2024 | $197.7M | $178.7M | $143.5M | $17.5M | $2.2M | 1.49% | 3.84% | 2.48% |
Loan mix (Q2 2026): real estate $136.6M · commercial $33.1M · consumer $729K · securities $33.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | I3 Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 62.9% | 63th |
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 | I3 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 | I3 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 | I3 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 | I3 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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