| Metric | Incommons Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.9 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 18.2% | 11.9% | +6.4 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $277.6M | $245.8M | $194.2M | $25.4M | $2.2M | 1.60% | 4.74% | 0.55% |
| Q1 2026 | $282.5M | $248.5M | $200.2M | $24.3M | $1.2M | 1.69% | 4.77% | 0.41% |
| Q4 2025 | $271.0M | $226.2M | $202.6M | $23.3M | $3.7M | 1.41% | 4.70% | 0.34% |
| Q3 2025 | $271.1M | $223.6M | $199.9M | $22.3M | $2.5M | 1.30% | 4.63% | 0.48% |
| Q2 2025 | $261.7M | $223.4M | $191.0M | $20.4M | $1.5M | 1.16% | 4.54% | 0.52% |
| Q1 2025 | $253.6M | $221.3M | $182.7M | $19.9M | $709K | 1.13% | 4.45% | 0.63% |
| Q4 2024 | $247.8M | $218.7M | $170.7M | $18.9M | $3.0M | 1.16% | 4.14% | 0.52% |
| Q3 2024 | $263.1M | $215.5M | $172.8M | $20.3M | $2.1M | 1.07% | 4.01% | 0.45% |
Loan mix (Q2 2026): real estate $153.8M · commercial $16.6M · consumer $11.4M · securities $42.2M
| Ratio | Incommons Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 43th |
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 | Incommons Bank, N.A. | 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 | Incommons Bank, N.A. | 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 | Incommons Bank, N.A. | 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 | Incommons Bank, N.A. | 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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