| Metric | Ledyard National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +5.5% | +2.4 pts |
| Deposit growth (YoY) | +7.0% | +5.1% | +1.9 pts |
| Loan growth (YoY) | +17.0% | +5.9% | +11.1 pts |
| ROA | 0.71% | 1.26% | -0.6 pts |
| ROE | 9.7% | 12.2% | -2.4 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $874.4M | $731.0M | $79.0M | $3.8M | 0.71% | 2.85% | 0.21% |
| Q1 2026 | $1.04B | $881.6M | $679.7M | $77.0M | $1.7M | 0.66% | 2.82% | 0.14% |
| Q4 2025 | $1.06B | $882.6M | $666.2M | $76.0M | $7.0M | 0.70% | 2.66% | 0.12% |
| Q3 2025 | $1.03B | $849.8M | $642.9M | $72.9M | $4.8M | 0.65% | 2.62% | 0.12% |
| Q2 2025 | $993.6M | $817.5M | $624.9M | $69.9M | $3.0M | 0.62% | 2.58% | 0.12% |
| Q1 2025 | $974.8M | $799.4M | $604.5M | $70.4M | $1.4M | 0.60% | 2.57% | 0.13% |
| Q4 2024 | $950.1M | $811.4M | $576.0M | $69.7M | $4.2M | 0.47% | 2.29% | 0.13% |
| Q3 2024 | $938.9M | $826.5M | $528.5M | $69.8M | $2.7M | 0.40% | 2.23% | 0.11% |
Loan mix (Q2 2026): real estate $624.0M · commercial $92.6M · consumer $19.9M · securities $240.8M
| Ratio | Ledyard National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 59.0% | 92th |
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 | Ledyard 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 | Ledyard 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 | Ledyard 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 | Ledyard 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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