| Metric | Meridian Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.5% | -2.2 pts |
| Deposit growth (YoY) | +4.0% | +5.1% | -1.0 pts |
| Loan growth (YoY) | +3.8% | +5.9% | -2.2 pts |
| ROA | 0.76% | 1.26% | -0.5 pts |
| ROE | 8.0% | 12.2% | -4.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.59B | $2.20B | $2.21B | $249.5M | $9.8M | 0.76% | 3.92% | 3.31% |
| Q1 2026 | $2.58B | $2.17B | $2.20B | $244.6M | $2.9M | 0.46% | 3.97% | 2.42% |
| Q4 2025 | $2.56B | $2.16B | $2.18B | $243.9M | $26.3M | 1.05% | 3.86% | 2.29% |
| Q3 2025 | $2.54B | $2.14B | $2.17B | $236.0M | $18.0M | 0.96% | 3.79% | 2.23% |
| Q2 2025 | $2.51B | $2.11B | $2.13B | $228.1M | $10.1M | 0.82% | 3.66% | 2.04% |
| Q1 2025 | $2.53B | $2.13B | $2.08B | $220.8M | $3.4M | 0.55% | 3.56% | 2.07% |
| Q4 2024 | $2.38B | $2.01B | $2.04B | $219.1M | $19.2M | 0.82% | 3.36% | 1.90% |
| Q3 2024 | $2.39B | $1.98B | $2.03B | $217.0M | $13.0M | 0.75% | 3.29% | 1.97% |
Loan mix (Q2 2026): real estate $1.73B · commercial $467.7M · consumer $288K · securities $235.1M
| Ratio | Meridian Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.2% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 59.0% | 67th |
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 | Meridian 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 | Meridian 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 | Meridian 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 | Meridian 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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