| Metric | Lake Region Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +10.1% | +5.6% | +4.5 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 21.8% | 11.9% | +9.9 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.0M | $139.1M | $74.8M | $12.9M | $1.4M | 1.85% | 4.67% | 0.04% |
| Q1 2026 | $151.3M | $138.6M | $73.9M | $11.7M | $619K | 1.68% | 4.73% | 0.03% |
| Q4 2025 | $143.5M | $129.2M | $73.0M | $13.4M | $2.1M | 1.47% | 4.53% | 0.02% |
| Q3 2025 | $145.4M | $127.6M | $71.8M | $12.8M | $1.7M | 1.62% | 4.45% | 0.10% |
| Q2 2025 | $145.0M | $128.6M | $67.9M | $11.4M | $1.1M | 1.60% | 4.43% | 0.10% |
| Q1 2025 | $142.3M | $129.5M | $61.9M | $11.9M | $554K | 1.57% | 4.30% | 0.00% |
| Q4 2024 | $140.3M | $128.1M | $61.3M | $11.1M | $1.9M | 1.36% | 4.30% | 0.00% |
| Q3 2024 | $140.8M | $124.8M | $57.4M | $12.2M | $1.7M | 1.61% | 4.29% | 0.01% |
Loan mix (Q2 2026): real estate $51.9M · commercial $12.2M · consumer $5.9M · securities $56.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lake Region Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 62.9% | 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 | Lake Region 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 | Lake Region 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 | Lake Region 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 | Lake Region 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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