| Metric | Mason Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.5M | $122.3M | $68.3M | $23.3M | $1.1M | 1.54% | 4.30% | 1.37% |
| Q1 2026 | $151.3M | $127.4M | $67.4M | $23.5M | $573K | 1.55% | 4.32% | 1.83% |
| Q4 2025 | $144.0M | $120.6M | $67.4M | $23.1M | $2.1M | 1.48% | 4.09% | 1.59% |
| Q3 2025 | $141.7M | $118.3M | $65.0M | $22.9M | $1.6M | 1.49% | 3.98% | 1.97% |
| Q2 2025 | $137.5M | $116.2M | $65.1M | $20.8M | $994K | 1.44% | 3.95% | 1.87% |
| Q1 2025 | $137.6M | $114.8M | $65.4M | $20.5M | $511K | 1.47% | 3.91% | 1.32% |
| Q4 2024 | $139.5M | $120.7M | $65.7M | $18.4M | $1.9M | 1.33% | 3.64% | 1.52% |
| Q3 2024 | $141.5M | $116.9M | $66.3M | $20.7M | $1.5M | 1.37% | 3.47% | 1.11% |
Loan mix (Q2 2026): real estate $32.2M · commercial $11.8M · consumer $18.5M · securities $71.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mason Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 62.9% | 27th |
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 | Mason 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 | Mason 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 | Mason 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 | Mason 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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