| Metric | Infinity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +15.4% | +5.6% | +9.8 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.5M | $310.5M | $251.3M | $43.0M | $2.7M | 1.48% | 5.40% | 0.68% |
| Q1 2026 | $392.9M | $343.7M | $220.1M | $43.1M | $1.3M | 1.40% | 5.30% | 0.62% |
| Q4 2025 | $356.0M | $302.6M | $226.2M | $42.1M | $5.6M | 1.60% | 5.60% | 1.06% |
| Q3 2025 | $372.7M | $326.0M | $210.8M | $40.6M | $4.2M | 1.63% | 5.64% | 0.84% |
| Q2 2025 | $337.1M | $291.6M | $217.7M | $39.3M | $2.7M | 1.59% | 5.65% | 0.16% |
| Q1 2025 | $338.7M | $289.0M | $220.7M | $37.5M | $1.3M | 1.50% | 5.56% | 0.16% |
| Q4 2024 | $332.7M | $285.1M | $222.6M | $36.3M | $4.2M | 1.32% | 5.51% | 0.62% |
| Q3 2024 | $329.7M | $277.9M | $216.1M | $35.6M | $2.9M | 1.22% | 5.44% | 0.65% |
Loan mix (Q2 2026): real estate $134.8M · commercial $98.7M · consumer $21.6M · securities $23.7M
| Ratio | Infinity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 62.9% | 32th |
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 | Infinity 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 | Infinity 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 | Infinity 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 | Infinity 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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