| Metric | Kirkpatrick Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +4.9% | +5.1% | -0.2 pts |
| Loan growth (YoY) | -1.2% | +5.9% | -7.2 pts |
| ROA | 1.66% | 1.26% | +0.4 pts |
| ROE | 19.2% | 12.2% | +7.0 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.00B | $890.2M | $690.2M | $90.9M | $8.6M | 1.66% | 3.41% | 0.00% |
| Q1 2026 | $1.06B | $953.2M | $738.1M | $88.3M | $2.2M | 0.83% | 3.39% | 0.00% |
| Q4 2025 | $1.04B | $932.5M | $760.8M | $88.0M | $9.9M | 0.98% | 3.27% | 0.00% |
| Q3 2025 | $1.02B | $917.4M | $704.9M | $83.2M | $6.6M | 0.88% | 3.23% | 0.01% |
| Q2 2025 | $981.3M | $848.7M | $698.9M | $78.2M | $4.3M | 0.87% | 3.22% | 0.01% |
| Q1 2025 | $1.00B | $907.5M | $719.7M | $74.6M | $2.2M | 0.90% | 3.21% | 0.00% |
| Q4 2024 | $993.1M | $836.0M | $716.7M | $69.1M | $9.1M | 0.91% | 3.19% | 0.00% |
| Q3 2024 | $1.02B | $832.4M | $716.1M | $75.8M | $8.1M | 1.08% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $627.8M · commercial $70.3M · consumer $2.3M · securities $207.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Kirkpatrick Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.26% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 59.0% | 57th |
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 | Kirkpatrick 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 | Kirkpatrick 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 | Kirkpatrick 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 | Kirkpatrick 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.