| Metric | Kendall Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.1M | $186.9M | $173.2M | $22.0M | $820K | 0.77% | 4.85% | 2.97% |
| Q1 2026 | $210.7M | $186.6M | $173.8M | $21.6M | $386K | 0.73% | 4.83% | 2.62% |
| Q4 2025 | $213.4M | $189.6M | $178.3M | $21.3M | $1.5M | 0.82% | 5.73% | 2.09% |
| Q3 2025 | $212.3M | $191.5M | $174.1M | $18.6M | $-1.2M | -0.93% | 5.91% | 2.11% |
| Q2 2025 | $210.2M | $185.7M | $165.9M | $22.1M | $2.2M | 2.79% | 6.47% | 2.44% |
| Q1 2025 | $219.9M | $190.6M | $165.9M | $21.3M | $1.6M | 4.61% | 7.05% | 2.13% |
| Q4 2024 | $50.0M | $46.1M | $10.7M | $3.9M | $320K | 0.58% | 2.95% | 0.00% |
| Q3 2024 | $53.8M | $49.3M | $10.6M | $4.2M | $279K | 0.65% | 2.94% | 0.00% |
Loan mix (Q2 2026): real estate $130.4M · commercial $43.8M · consumer $420K · securities $8.3M
| Ratio | Kendall Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 62.9% | 82th |
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 | Kendall 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 | Kendall 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 | Kendall 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 | Kendall 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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