| Metric | Lawrence Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +82.4% | +5.5% | +76.9 pts |
| Deposit growth (YoY) | +83.4% | +5.1% | +78.4 pts |
| Loan growth (YoY) | +100.8% | +5.9% | +94.9 pts |
| ROA | 1.04% | 1.26% | -0.2 pts |
| ROE | 9.0% | 12.2% | -3.2 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 | $3.04B | $2.62B | $2.24B | $354.5M | $16.1M | 1.04% | 3.94% | 0.39% |
| Q1 2026 | $3.07B | $2.65B | $2.27B | $358.8M | $9.3M | 1.20% | 3.89% | 0.41% |
| Q4 2025 | $1.61B | $1.37B | $1.15B | $202.9M | $10.4M | 0.64% | 3.97% | 0.73% |
| Q3 2025 | $1.65B | $1.41B | $1.14B | $198.9M | $7.0M | 0.58% | 3.93% | 0.32% |
| Q2 2025 | $1.67B | $1.43B | $1.12B | $195.3M | $5.1M | 0.64% | 3.84% | 0.33% |
| Q1 2025 | $1.59B | $1.35B | $1.08B | $193.3M | $2.4M | 0.60% | 3.85% | 0.37% |
| Q4 2024 | $1.56B | $1.33B | $1.09B | $190.7M | $7.7M | 0.60% | 3.96% | 0.24% |
| Q3 2024 | $1.60B | $1.36B | $1.08B | $193.2M | $5.1M | 0.56% | 3.92% | 0.17% |
Loan mix (Q2 2026): real estate $2.07B · commercial $172.7M · consumer $20.4M · securities $266.3M
| Ratio | Lawrence Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 59.0% | 79th |
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 | Lawrence 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 | Lawrence 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 | Lawrence 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 | Lawrence 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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