| Metric | Ives Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | +7.5% | +5.1% | +2.4 pts |
| Loan growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| ROA | 1.08% | 1.26% | -0.2 pts |
| ROE | 8.2% | 12.2% | -4.0 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.73B | $1.37B | $1.42B | $230.8M | $9.2M | 1.08% | 3.46% | 1.18% |
| Q1 2026 | $1.69B | $1.35B | $1.40B | $226.3M | $4.3M | 1.01% | 3.44% | 1.18% |
| Q4 2025 | $1.68B | $1.35B | $1.38B | $222.6M | $16.3M | 0.98% | 3.26% | 1.21% |
| Q3 2025 | $1.67B | $1.28B | $1.39B | $219.0M | $11.6M | 0.93% | 3.20% | 1.29% |
| Q2 2025 | $1.65B | $1.27B | $1.36B | $214.0M | $7.5M | 0.92% | 3.16% | 1.42% |
| Q1 2025 | $1.63B | $1.26B | $1.35B | $209.7M | $3.3M | 0.80% | 3.07% | 1.44% |
| Q4 2024 | $1.65B | $1.27B | $1.35B | $204.9M | $14.6M | 0.91% | 2.97% | 1.51% |
| Q3 2024 | $1.64B | $1.20B | $1.34B | $204.2M | $11.3M | 0.94% | 2.93% | 1.42% |
Loan mix (Q2 2026): real estate $1.36B · commercial $78.5M · consumer $794K · securities $144.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ives Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.26% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 59.0% | 62th |
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 | Ives 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 | Ives 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 | Ives 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 | Ives 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.