| Metric | Landmark National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +5.5% | -6.6 pts |
| Deposit growth (YoY) | +2.5% | +5.1% | -2.6 pts |
| Loan growth (YoY) | -1.3% | +5.9% | -7.3 pts |
| ROA | 1.33% | 1.26% | +0.1 pts |
| ROE | 11.7% | 12.2% | -0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.60B | $1.31B | $1.09B | $185.3M | $10.7M | 1.33% | 4.27% | 0.81% |
| Q1 2026 | $1.60B | $1.33B | $1.09B | $180.6M | $5.3M | 1.31% | 4.26% | 0.65% |
| Q4 2025 | $1.60B | $1.40B | $1.10B | $180.2M | $19.1M | 1.20% | 3.96% | 0.62% |
| Q3 2025 | $1.61B | $1.33B | $1.11B | $175.6M | $14.1M | 1.18% | 3.89% | 0.62% |
| Q2 2025 | $1.62B | $1.28B | $1.11B | $169.0M | $9.2M | 1.16% | 3.84% | 1.06% |
| Q1 2025 | $1.57B | $1.34B | $1.06B | $163.7M | $4.7M | 1.20% | 3.81% | 0.85% |
| Q4 2024 | $1.57B | $1.33B | $1.04B | $158.1M | $13.6M | 0.87% | 3.41% | 0.85% |
| Q3 2024 | $1.56B | $1.29B | $993.5M | $162.0M | $10.1M | 0.86% | 3.32% | 0.89% |
Loan mix (Q2 2026): real estate $852.4M · commercial $179.7M · consumer $1.8M · securities $342.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Landmark National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.26% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 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 | Landmark National 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 | Landmark National 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 | Landmark National 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 | Landmark National 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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