| Metric | Independent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -0.9 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +6.1% | +5.9% | +0.1 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 14.9% | 12.2% | +2.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.66B | $4.93B | $4.37B | $515.9M | $37.4M | 1.34% | 3.72% | 0.78% |
| Q1 2026 | $5.55B | $4.94B | $4.27B | $497.6M | $17.6M | 1.27% | 3.70% | 0.69% |
| Q4 2025 | $5.50B | $4.82B | $4.23B | $490.9M | $72.0M | 1.33% | 3.67% | 0.62% |
| Q3 2025 | $5.49B | $4.92B | $4.15B | $480.5M | $53.0M | 1.31% | 3.66% | 0.42% |
| Q2 2025 | $5.41B | $4.73B | $4.12B | $492.4M | $34.2M | 1.28% | 3.64% | 0.20% |
| Q1 2025 | $5.32B | $4.70B | $4.02B | $487.4M | $16.3M | 1.23% | 3.62% | 0.18% |
| Q4 2024 | $5.33B | $4.72B | $3.99B | $478.2M | $70.6M | 1.34% | 3.49% | 0.16% |
| Q3 2024 | $5.25B | $4.69B | $3.90B | $476.8M | $51.2M | 1.30% | 3.46% | 0.15% |
Loan mix (Q2 2026): real estate $3.26B · commercial $646.5M · consumer $516.4M · securities $782.6M
| Ratio | Independent Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 59.0% | 58th |
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 | Independent 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 | Independent 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 | Independent 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 | Independent 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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