| Metric | Luminate Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.4% | +4.9% | +29.5 pts |
| Deposit growth (YoY) | +20.0% | +4.3% | +15.7 pts |
| Loan growth (YoY) | +34.9% | +5.3% | +29.6 pts |
| ROA | 3.07% | 1.28% | +1.8 pts |
| ROE | 31.3% | 12.4% | +18.9 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $554.5M | $412.7M | $449.2M | $54.6M | $8.1M | 3.07% | 3.64% | 2.34% |
| Q1 2026 | $517.3M | $421.0M | $414.1M | $51.7M | $4.0M | 3.11% | 3.65% | 1.83% |
| Q4 2025 | $511.0M | $431.8M | $367.4M | $48.8M | $15.3M | 3.72% | 4.20% | 2.03% |
| Q3 2025 | $455.7M | $366.3M | $329.2M | $44.0M | $10.5M | 3.63% | 3.68% | 2.88% |
| Q2 2025 | $412.5M | $343.9M | $332.9M | $39.2M | $4.6M | 2.54% | 3.32% | 2.97% |
| Q1 2025 | $341.3M | $251.4M | $289.1M | $38.7M | $523K | 0.62% | 3.47% | 3.09% |
| Q4 2024 | $335.8M | $257.0M | $263.6M | $38.1M | $9.0M | 3.24% | 2.87% | 2.77% |
| Q3 2024 | $275.8M | $185.6M | $219.5M | $39.2M | $8.7M | 4.42% | 2.73% | 3.03% |
Loan mix (Q2 2026): real estate $414.1M · commercial $38.9M · consumer $501K · securities $0
| Ratio | Luminate Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.07% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 31.3% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 61.2% | 95th |
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 | Luminate 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 | Luminate 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 | Luminate 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 | Luminate 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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