| Metric | Kish Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.7% | +5.5% | +8.2 pts |
| Deposit growth (YoY) | +11.5% | +5.1% | +6.4 pts |
| Loan growth (YoY) | +14.3% | +5.9% | +8.4 pts |
| ROA | 1.18% | 1.26% | -0.1 pts |
| ROE | 13.9% | 12.2% | +1.8 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.08B | $1.52B | $1.77B | $175.1M | $11.8M | 1.18% | 3.56% | 0.49% |
| Q1 2026 | $1.98B | $1.52B | $1.70B | $169.7M | $5.7M | 1.16% | 3.54% | 0.51% |
| Q4 2025 | $1.97B | $1.48B | $1.69B | $165.1M | $20.2M | 1.10% | 3.50% | 0.03% |
| Q3 2025 | $1.93B | $1.40B | $1.64B | $159.7M | $14.1M | 1.04% | 3.47% | 0.03% |
| Q2 2025 | $1.83B | $1.36B | $1.55B | $152.1M | $8.5M | 0.96% | 3.42% | 0.03% |
| Q1 2025 | $1.77B | $1.30B | $1.49B | $147.9M | $4.1M | 0.95% | 3.35% | 0.03% |
| Q4 2024 | $1.69B | $1.30B | $1.42B | $141.6M | $16.4M | 1.02% | 3.39% | 0.04% |
| Q3 2024 | $1.66B | $1.30B | $1.37B | $139.6M | $11.7M | 0.98% | 3.39% | 0.05% |
Loan mix (Q2 2026): real estate $1.52B · commercial $193.7M · consumer $4.9M · securities $199.4M
| Ratio | Kish Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 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 | Kish 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 | Kish 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 | Kish 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 | Kish 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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