| Metric | Ixonia Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.2% | +5.5% | +16.8 pts |
| Deposit growth (YoY) | +18.4% | +5.1% | +13.3 pts |
| Loan growth (YoY) | +19.4% | +5.9% | +13.5 pts |
| ROA | 1.21% | 1.26% | -0.1 pts |
| ROE | 13.2% | 12.2% | +1.0 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $679.8M | $812.0M | $95.0M | $6.0M | 1.21% | 7.60% | 0.19% |
| Q1 2026 | $959.9M | $602.7M | $761.1M | $90.8M | $1.9M | 0.80% | 7.27% | 0.35% |
| Q4 2025 | $951.2M | $606.2M | $730.6M | $87.2M | $13.2M | 1.51% | 8.06% | 0.43% |
| Q3 2025 | $914.6M | $587.5M | $687.6M | $84.3M | $10.8M | 1.68% | 8.21% | 0.03% |
| Q2 2025 | $879.9M | $574.2M | $679.8M | $81.6M | $6.5M | 1.56% | 8.13% | 0.09% |
| Q1 2025 | $804.0M | $534.3M | $604.6M | $76.9M | $2.3M | 1.14% | 7.58% | 0.19% |
| Q4 2024 | $810.6M | $545.1M | $593.6M | $73.6M | $10.4M | 1.35% | 8.13% | 0.19% |
| Q3 2024 | $803.4M | $539.9M | $556.1M | $72.3M | $7.8M | 1.37% | 7.84% | 0.12% |
Loan mix (Q2 2026): real estate $626.3M · commercial $185.6M · consumer $1.2M · securities $78.3M
| Ratio | Ixonia Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 59.0% | 97th |
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 | Ixonia 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 | Ixonia 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 | Ixonia 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 | Ixonia 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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