| Metric | Impact Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +9.5% | +4.0% | +5.5 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 23.3% | 11.9% | +11.4 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.2M | $153.0M | $99.0M | $12.9M | $1.4M | 1.67% | 3.64% | 0.02% |
| Q1 2026 | $171.0M | $153.6M | $101.7M | $11.6M | $564K | 1.35% | 3.51% | 0.03% |
| Q4 2025 | $164.4M | $152.0M | $100.3M | $11.8M | $2.2M | 1.32% | 3.64% | 0.01% |
| Q3 2025 | $158.9M | $139.0M | $99.2M | $11.6M | $1.4M | 1.18% | 3.40% | 0.50% |
| Q2 2025 | $159.2M | $139.7M | $103.2M | $9.9M | $970K | 1.19% | 3.41% | 0.74% |
| Q1 2025 | $162.1M | $142.3M | $106.3M | $9.5M | $468K | 1.13% | 3.31% | 1.14% |
| Q4 2024 | $169.4M | $144.2M | $106.4M | $8.6M | $1.6M | 0.95% | 3.22% | 1.41% |
| Q3 2024 | $161.9M | $135.6M | $103.7M | $11.1M | $1.2M | 0.96% | 3.23% | 1.53% |
Loan mix (Q2 2026): real estate $61.6M · commercial $11.2M · consumer $2.6M · securities $39.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Impact Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 62.9% | 25th |
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 | Impact 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 | Impact 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 | Impact 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 | Impact 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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