| Metric | Johnson Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +5.5% | -5.1 pts |
| Deposit growth (YoY) | +2.6% | +5.1% | -2.4 pts |
| Loan growth (YoY) | +0.6% | +5.9% | -5.4 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 10.6% | 12.2% | -1.6 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.07B | $5.63B | $5.30B | $862.6M | $46.1M | 1.30% | 3.54% | 0.18% |
| Q1 2026 | $7.01B | $5.84B | $5.21B | $881.3M | $21.9M | 1.24% | 3.48% | 0.21% |
| Q4 2025 | $7.19B | $5.99B | $5.20B | $863.3M | $74.9M | 1.07% | 3.52% | 0.21% |
| Q3 2025 | $7.07B | $5.78B | $5.34B | $840.5M | $53.1M | 1.02% | 3.50% | 0.26% |
| Q2 2025 | $7.05B | $5.48B | $5.27B | $816.4M | $31.2M | 0.91% | 3.45% | 0.27% |
| Q1 2025 | $6.85B | $5.31B | $5.10B | $840.8M | $17.8M | 1.05% | 3.41% | 0.16% |
| Q4 2024 | $6.74B | $5.37B | $4.97B | $818.9M | $58.0M | 0.90% | 3.43% | 0.13% |
| Q3 2024 | $6.61B | $5.15B | $4.91B | $811.4M | $45.4M | 0.94% | 3.43% | 0.27% |
Loan mix (Q2 2026): real estate $4.33B · commercial $731.3M · consumer $83.7M · securities $1.07B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Johnson Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.2% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 61th |
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 | Johnson 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 | Johnson 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 | Johnson 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 | Johnson 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.