| Metric | Lake Ridge Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.5% | +2.4 pts |
| Deposit growth (YoY) | +9.0% | +5.1% | +3.9 pts |
| Loan growth (YoY) | +2.2% | +5.9% | -3.8 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 10.1% | 12.2% | -2.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.35B | $2.79B | $2.43B | $350.7M | $17.4M | 1.05% | 3.43% | 0.30% |
| Q1 2026 | $3.33B | $2.76B | $2.42B | $340.8M | $7.9M | 0.95% | 3.35% | 0.32% |
| Q4 2025 | $3.27B | $2.71B | $2.38B | $339.4M | $30.9M | 0.98% | 3.29% | 0.29% |
| Q3 2025 | $3.18B | $2.62B | $2.38B | $332.6M | $21.6M | 0.92% | 3.20% | 0.32% |
| Q2 2025 | $3.11B | $2.56B | $2.38B | $322.8M | $13.3M | 0.85% | 3.10% | 0.37% |
| Q1 2025 | $3.10B | $2.56B | $2.37B | $315.7M | $5.9M | 0.76% | 2.95% | 0.27% |
| Q4 2024 | $3.13B | $2.60B | $2.39B | $309.8M | $17.6M | 0.58% | 2.70% | 0.40% |
| Q3 2024 | $3.03B | $2.49B | $2.41B | $313.0M | $11.8M | 0.53% | 2.64% | 0.46% |
Loan mix (Q2 2026): real estate $2.11B · commercial $221.7M · consumer $20.3M · securities $483.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lake Ridge Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 59.0% | 56th |
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 Ridge 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 Ridge 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 Ridge 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 Ridge 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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