| Metric | InterBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.5% | +1.0 pts |
| Deposit growth (YoY) | +5.2% | +5.1% | +0.2 pts |
| Loan growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| ROA | 3.22% | 1.26% | +2.0 pts |
| ROE | 27.3% | 12.2% | +15.2 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.33B | $4.56B | $4.71B | $663.3M | $87.2M | 3.22% | 4.85% | 1.41% |
| Q1 2026 | $5.48B | $4.82B | $4.82B | $638.3M | $42.6M | 3.12% | 4.72% | 1.35% |
| Q4 2025 | $5.45B | $4.82B | $4.69B | $613.8M | $179.0M | 3.60% | 5.29% | 0.50% |
| Q3 2025 | $5.19B | $4.55B | $4.55B | $623.9M | $133.3M | 3.66% | 5.37% | 0.53% |
| Q2 2025 | $5.01B | $4.34B | $4.36B | $597.7M | $87.8M | 3.71% | 5.41% | 0.60% |
| Q1 2025 | $4.68B | $4.09B | $4.12B | $571.0M | $42.2M | 3.67% | 5.46% | 0.59% |
| Q4 2024 | $4.53B | $3.96B | $3.87B | $547.0M | $174.0M | 3.82% | 5.91% | 0.41% |
| Q3 2024 | $4.54B | $3.90B | $3.79B | $615.6M | $131.4M | 3.85% | 5.97% | 0.41% |
Loan mix (Q2 2026): real estate $3.02B · commercial $1.33B · consumer $19.3M · securities $0
| Ratio | InterBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.22% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 27.3% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.6% | 59.0% | 4th |
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 | InterBank | 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 | InterBank | 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 | InterBank | 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 | InterBank | 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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