| Metric | ITS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +50.2% | +3.0% | +47.2 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 61.63% | 0.99% | +60.6 pts |
| ROE | 64.9% | 8.1% | +56.9 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.2M | $500K | $0 | $41.1M | $10.9M | 61.63% | 4.50% | 0.00% |
| Q1 2026 | $30.6M | $500K | $0 | $30.0M | $310K | 4.05% | 5.00% | 0.00% |
| Q4 2025 | $30.6M | $500K | $0 | $29.9M | $1.4M | 4.55% | 5.02% | 0.00% |
| Q3 2025 | $30.5M | $500K | $0 | $29.6M | $1.1M | 4.72% | 5.02% | 0.00% |
| Q2 2025 | $30.1M | $500K | $0 | $29.0M | $604K | 4.09% | 5.00% | 0.00% |
| Q1 2025 | $29.6M | $500K | $0 | $28.6M | $296K | 4.04% | 5.01% | 0.00% |
| Q4 2024 | $29.0M | $500K | $0 | $28.0M | $18.7M | 80.30% | 4.77% | 0.00% |
| Q3 2024 | $33.1M | $500K | $0 | $28.4M | $18.4M | 112.23% | 4.43% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $37.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | ITS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 61.63% | 0.99% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 64.9% | 8.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 10.2% | 70.8% | 1th |
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 | ITS 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 | ITS 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 | ITS 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 | ITS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.