| Metric | Inwood National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +5.5% | -4.9 pts |
| Deposit growth (YoY) | -0.4% | +5.1% | -5.5 pts |
| Loan growth (YoY) | +1.7% | +5.9% | -4.2 pts |
| ROA | 1.57% | 1.26% | +0.3 pts |
| ROE | 14.1% | 12.2% | +1.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.26B | $3.66B | $2.46B | $495.7M | $34.6M | 1.57% | 2.88% | 0.21% |
| Q1 2026 | $4.44B | $3.85B | $2.47B | $492.4M | $16.9M | 1.51% | 2.74% | 0.28% |
| Q4 2025 | $4.55B | $3.97B | $2.53B | $483.1M | $54.1M | 1.23% | 2.43% | 0.31% |
| Q3 2025 | $4.39B | $3.82B | $2.40B | $469.8M | $40.8M | 1.24% | 2.30% | 0.42% |
| Q2 2025 | $4.24B | $3.68B | $2.42B | $460.9M | $25.4M | 1.16% | 2.21% | 0.43% |
| Q1 2025 | $4.38B | $3.82B | $2.39B | $461.4M | $12.4M | 1.11% | 2.13% | 0.42% |
| Q4 2024 | $4.52B | $3.78B | $2.45B | $456.1M | $32.8M | 0.73% | 1.71% | 0.41% |
| Q3 2024 | $4.68B | $3.86B | $2.46B | $445.2M | $21.9M | 0.64% | 1.62% | 0.39% |
Loan mix (Q2 2026): real estate $2.35B · commercial $115.5M · consumer $7.6M · securities $1.29B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Inwood National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 12.2% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.2% | 59.0% | 6th |
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 | Inwood National 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 | Inwood National 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 | Inwood National 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 | Inwood National 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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