| Metric | Journey Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -2.0 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +4.2% | +5.9% | -1.8 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.67B | $1.43B | $1.20B | $194.4M | $14.3M | 1.69% | 4.30% | 0.53% |
| Q1 2026 | $1.71B | $1.46B | $1.17B | $187.9M | $7.1M | 1.68% | 4.23% | 0.55% |
| Q4 2025 | $1.67B | $1.41B | $1.17B | $188.4M | $24.4M | 1.50% | 4.09% | 0.71% |
| Q3 2025 | $1.65B | $1.40B | $1.16B | $180.4M | $17.0M | 1.41% | 4.02% | 0.94% |
| Q2 2025 | $1.61B | $1.36B | $1.15B | $172.2M | $10.3M | 1.28% | 3.94% | 0.86% |
| Q1 2025 | $1.60B | $1.34B | $1.14B | $167.4M | $4.4M | 1.11% | 3.82% | 0.77% |
| Q4 2024 | $1.59B | $1.29B | $1.12B | $162.3M | $19.2M | 1.20% | 3.49% | 0.64% |
| Q3 2024 | $1.60B | $1.29B | $1.11B | $163.8M | $14.0M | 1.16% | 3.42% | 0.54% |
Loan mix (Q2 2026): real estate $1.09B · commercial $59.6M · consumer $12.2M · securities $326.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Journey Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 59.0% | 22th |
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 | Journey 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 | Journey 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 | Journey 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 | Journey 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.