| Metric | Katahdin Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.5% | +1.2 pts |
| Deposit growth (YoY) | +3.3% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +9.9% | +5.9% | +4.0 pts |
| ROA | 0.90% | 1.26% | -0.4 pts |
| ROE | 9.3% | 12.2% | -2.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.16B | $965.9M | $921.7M | $110.2M | $5.1M | 0.90% | 3.94% | 0.39% |
| Q1 2026 | $1.11B | $953.2M | $875.0M | $108.9M | $2.6M | 0.92% | 3.93% | 0.41% |
| Q4 2025 | $1.12B | $962.7M | $859.7M | $108.5M | $11.0M | 1.01% | 3.90% | 0.54% |
| Q3 2025 | $1.09B | $937.9M | $842.3M | $105.5M | $7.8M | 0.96% | 3.87% | 0.55% |
| Q2 2025 | $1.09B | $934.9M | $838.4M | $100.6M | $5.1M | 0.94% | 3.80% | 0.13% |
| Q1 2025 | $1.08B | $929.9M | $844.8M | $99.5M | $2.5M | 0.91% | 3.76% | 0.13% |
| Q4 2024 | $1.08B | $931.5M | $816.5M | $96.3M | $9.0M | 0.86% | 3.69% | 0.13% |
| Q3 2024 | $1.05B | $887.0M | $810.3M | $113.6M | $7.0M | 0.90% | 3.65% | 0.15% |
Loan mix (Q2 2026): real estate $739.1M · commercial $160.1M · consumer $3.6M · securities $156.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Katahdin Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.26% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 59.0% | 76th |
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 | Katahdin Trust Company | 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 | Katahdin Trust Company | 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 | Katahdin Trust Company | 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 | Katahdin Trust Company | 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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