| Metric | MA Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.4% | +4.8 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +15.4% | +5.6% | +9.8 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 11.5% | 11.9% | -0.3 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $417.3M | $364.5M | $232.6M | $37.7M | $2.2M | 1.06% | 3.39% | 0.54% |
| Q1 2026 | $407.4M | $363.7M | $220.8M | $37.3M | $1.1M | 1.12% | 3.37% | 0.38% |
| Q4 2025 | $404.1M | $359.8M | $213.8M | $37.9M | $3.3M | 0.85% | 3.32% | 0.39% |
| Q3 2025 | $378.8M | $329.6M | $202.3M | $36.5M | $2.4M | 0.84% | 3.28% | 0.64% |
| Q2 2025 | $382.4M | $339.6M | $201.6M | $35.2M | $1.6M | 0.83% | 3.26% | 0.64% |
| Q1 2025 | $386.1M | $346.1M | $195.3M | $33.6M | $628K | 0.66% | 3.21% | 0.39% |
| Q4 2024 | $380.2M | $341.8M | $191.3M | $32.0M | $3.6M | 0.99% | 3.43% | 0.39% |
| Q3 2024 | $367.1M | $325.7M | $184.1M | $35.0M | $3.0M | 1.11% | 3.48% | 0.41% |
Loan mix (Q2 2026): real estate $178.7M · commercial $13.6M · consumer $9.1M · securities $141.2M
| Ratio | MA Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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 | MA 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 | MA 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 | MA 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 | MA 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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