| Metric | Lee Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.9% | +0.1 pts |
| Deposit growth (YoY) | +9.8% | +4.3% | +5.5 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.4 pts |
| ROA | 0.99% | 1.28% | -0.3 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $591.2M | $519.6M | $437.2M | $52.1M | $2.9M | 0.99% | 3.63% | 0.39% |
| Q1 2026 | $578.5M | $511.5M | $434.6M | $50.1M | $1.3M | 0.90% | 3.53% | 0.36% |
| Q4 2025 | $601.3M | $510.0M | $426.5M | $48.9M | $3.9M | 0.69% | 3.33% | 0.37% |
| Q3 2025 | $564.8M | $475.4M | $418.3M | $47.3M | $2.7M | 0.65% | 3.32% | 0.38% |
| Q2 2025 | $563.1M | $473.3M | $413.3M | $45.2M | $1.6M | 0.59% | 3.25% | 0.43% |
| Q1 2025 | $560.1M | $483.8M | $407.9M | $43.6M | $588K | 0.42% | 3.18% | 0.56% |
| Q4 2024 | $554.0M | $483.0M | $408.3M | $41.8M | $2.6M | 0.48% | 3.07% | 0.45% |
| Q3 2024 | $546.1M | $453.8M | $395.3M | $42.5M | $2.0M | 0.50% | 3.06% | 0.44% |
Loan mix (Q2 2026): real estate $413.4M · commercial $24.0M · consumer $3.5M · securities $97.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lee Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 61.2% | 76th |
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 | Lee 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 | Lee 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 | Lee 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 | Lee 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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