| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -15.2% | +3.0% | -18.2 pts |
| Deposit growth (YoY) | -4.6% | +2.5% | -7.1 pts |
| Loan growth (YoY) | -22.2% | +2.6% | -24.8 pts |
| ROA | -6.23% | 0.99% | -7.2 pts |
| ROE | -228.8% | 8.1% | -236.9 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $51.1M | $49.7M | $32.6M | $919K | $-1.7M | -6.23% | 1.62% | 34.75% |
| Q1 2026 | $53.6M | $52.4M | $31.5M | $892K | $-1.7M | -12.11% | -0.44% | 15.35% |
| Q4 2025 | $59.0M | $56.0M | $34.2M | $2.6M | $-3.2M | -5.05% | 2.32% | 3.02% |
| Q3 2025 | $60.7M | $55.8M | $38.8M | $4.2M | $-1.4M | -2.92% | 2.99% | 5.52% |
| Q2 2025 | $60.3M | $52.1M | $41.9M | $4.5M | $-983K | -2.98% | 2.59% | 1.41% |
| Q1 2025 | $66.5M | $56.8M | $41.6M | $5.4M | $-45K | -0.26% | 2.45% | 1.33% |
| Q4 2024 | $71.1M | $61.2M | $41.8M | $5.2M | $-477K | -0.68% | 2.60% | 1.49% |
| Q3 2024 | $71.8M | $56.9M | $46.9M | $6.1M | $285K | 0.55% | 2.83% | 2.06% |
Loan mix (Q2 2026): real estate $16.2M · commercial $1.5M · consumer $4.0M · securities $13.3M
| Ratio | Lamont Bank of St. John | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -6.23% | 0.99% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -228.8% | 8.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 165.5% | 70.8% | 97th |
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 | Lamont Bank of St. John | 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 | Lamont Bank of St. John | 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 | Lamont Bank of St. John | 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 | Lamont Bank of St. John | 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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