| Metric | InBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.5% | -7.1 pts |
| Deposit growth (YoY) | -6.1% | +5.1% | -11.1 pts |
| Loan growth (YoY) | -2.0% | +5.9% | -7.9 pts |
| ROA | 1.08% | 1.26% | -0.2 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.35B | $1.11B | $927.0M | $170.9M | $7.4M | 1.08% | 4.02% | 0.97% |
| Q1 2026 | $1.36B | $1.15B | $938.6M | $167.7M | $3.7M | 1.08% | 4.00% | 0.67% |
| Q4 2025 | $1.41B | $1.15B | $964.2M | $164.4M | $7.6M | 0.55% | 3.90% | 0.42% |
| Q3 2025 | $1.44B | $1.18B | $992.8M | $164.9M | $8.2M | 0.79% | 3.83% | 0.78% |
| Q2 2025 | $1.37B | $1.18B | $946.1M | $161.8M | $5.8M | 0.85% | 3.77% | 0.99% |
| Q1 2025 | $1.40B | $1.21B | $920.6M | $158.8M | $2.8M | 0.83% | 3.77% | 0.74% |
| Q4 2024 | $1.31B | $1.13B | $902.4M | $155.3M | $11.3M | 0.85% | 3.68% | 0.88% |
| Q3 2024 | $1.35B | $1.16B | $928.0M | $153.0M | $7.9M | 0.78% | 3.62% | 0.78% |
Loan mix (Q2 2026): real estate $670.1M · commercial $246.0M · consumer $1.5M · securities $257.7M
| Ratio | InBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 59.0% | 42th |
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 | InBank | 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 | InBank | 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 | InBank | 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 | InBank | 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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