| Metric | Lakeview Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.4% | +4.4% | +18.0 pts |
| Deposit growth (YoY) | +21.4% | +4.0% | +17.4 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 13.7% | 11.9% | +1.9 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 | $218.3M | $195.8M | $149.0M | $17.2M | $1.1M | 1.12% | 4.29% | 0.69% |
| Q1 2026 | $208.6M | $186.9M | $140.8M | $16.4M | $505K | 1.02% | 4.21% | 0.66% |
| Q4 2025 | $188.2M | $166.3M | $138.9M | $16.7M | $2.0M | 1.10% | 4.29% | 0.84% |
| Q3 2025 | $183.3M | $165.5M | $137.8M | $16.0M | $1.5M | 1.09% | 4.25% | 0.87% |
| Q2 2025 | $178.4M | $161.3M | $133.4M | $15.2M | $927K | 1.06% | 4.14% | 0.54% |
| Q1 2025 | $172.4M | $156.1M | $127.0M | $14.5M | $418K | 0.96% | 3.95% | 0.37% |
| Q4 2024 | $175.1M | $158.8M | $124.9M | $14.2M | $1.7M | 1.00% | 3.95% | 0.43% |
| Q3 2024 | $169.3M | $153.0M | $124.7M | $14.1M | $1.1M | 0.87% | 3.91% | 0.50% |
Loan mix (Q2 2026): real estate $133.8M · commercial $16.7M · consumer $49K · securities $27.0M
| Ratio | Lakeview Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
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 | Lakeview 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 | Lakeview 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 | Lakeview 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 | Lakeview 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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