No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $235.3M | $175.4M | $166.2M | $25.4M | $307K | 0.26% | 2.89% | 0.73% |
| Q1 2026 | $233.7M | $174.0M | $159.7M | $25.4M | $331K | 0.56% | 2.73% | 0.67% |
| Q4 2025 | $243.0M | $186.0M | $158.9M | $25.2M | $932K | 0.43% | 2.59% | 0.93% |
| Q3 2025 | $233.8M | $176.7M | $153.2M | $25.1M | $937K | 0.59% | 2.59% | 0.70% |
| Q2 2025 | $215.4M | $159.5M | $149.3M | $24.4M | $575K | 0.56% | 2.60% | 0.08% |
| Q1 2025 | $210.4M | $155.0M | $142.3M | $24.2M | $301K | 0.60% | 2.51% | 0.08% |
| Q4 2024 | $192.6M | $138.3M | $137.8M | $23.6M | $-91K | -0.05% | 2.28% | 0.09% |
| Q3 2024 | $200.1M | $135.9M | $125.4M | $24.3M | $-190K | -0.13% | 2.25% | 0.11% |
Loan mix (Q2 2026): real estate $158.3M · commercial $9.0M · consumer $766K · securities $19.1M
| Ratio | Loyal Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 11.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 62.9% | 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 | Loyal Trust 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 | Loyal Trust 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 | Loyal Trust 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 | Loyal Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.