| Metric | Magyar Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +5.2% | +5.9% | -0.7 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 10.9% | 12.2% | -1.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $860.4M | $879.8M | $122.6M | $6.6M | 1.25% | 3.78% | 0.03% |
| Q1 2026 | $1.07B | $885.0M | $869.6M | $119.9M | $3.3M | 1.23% | 3.76% | 0.03% |
| Q4 2025 | $1.04B | $864.9M | $867.7M | $117.4M | $11.5M | 1.14% | 3.55% | 0.03% |
| Q3 2025 | $996.9M | $819.4M | $849.0M | $115.0M | $8.2M | 1.09% | 3.51% | 0.26% |
| Q2 2025 | $986.9M | $825.5M | $835.9M | $112.6M | $5.6M | 1.11% | 3.47% | 0.31% |
| Q1 2025 | $1.02B | $863.6M | $801.1M | $110.6M | $2.9M | 1.13% | 3.41% | 0.26% |
| Q4 2024 | $1.01B | $854.6M | $797.6M | $107.8M | $8.9M | 0.94% | 3.18% | 0.29% |
| Q3 2024 | $951.3M | $802.5M | $772.6M | $105.7M | $6.7M | 0.95% | 3.16% | 0.42% |
Loan mix (Q2 2026): real estate $867.5M · commercial $18.9M · consumer $1.8M · securities $104.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Magyar Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 59.0% | 28th |
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 | Magyar 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 | Magyar 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 | Magyar 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 | Magyar 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.