| Metric | InsBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +5.5% | +8.5 pts |
| Deposit growth (YoY) | +13.2% | +5.1% | +8.2 pts |
| Loan growth (YoY) | +14.6% | +5.9% | +8.7 pts |
| ROA | 0.94% | 1.26% | -0.3 pts |
| ROE | 9.5% | 12.2% | -2.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $905.8M | $902.6M | $107.4M | $5.0M | 0.94% | 3.43% | 0.21% |
| Q1 2026 | $1.08B | $924.4M | $884.5M | $104.7M | $2.4M | 0.89% | 3.49% | 0.22% |
| Q4 2025 | $1.05B | $897.7M | $853.1M | $103.0M | $6.2M | 0.65% | 3.32% | 0.50% |
| Q3 2025 | $962.3M | $832.3M | $797.8M | $104.8M | $7.4M | 1.05% | 3.36% | 0.71% |
| Q2 2025 | $946.1M | $800.0M | $787.4M | $102.5M | $4.7M | 1.00% | 3.28% | 0.55% |
| Q1 2025 | $934.7M | $786.9M | $774.1M | $100.1M | $2.1M | 0.91% | 3.14% | 0.56% |
| Q4 2024 | $903.1M | $750.7M | $754.9M | $98.6M | $9.1M | 1.07% | 3.15% | 0.59% |
| Q3 2024 | $869.0M | $719.0M | $693.0M | $97.7M | $6.8M | 1.07% | 3.14% | 0.89% |
Loan mix (Q2 2026): real estate $609.7M · commercial $291.6M · consumer $1.9M · securities $95.7M
| Ratio | InsBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.26% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.2% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 59.0% | 55th |
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 | InsBank | 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 | InsBank | 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 | InsBank | 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 | InsBank | 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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