| Metric | Merit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.6% | +4.9% | +21.7 pts |
| Deposit growth (YoY) | +16.2% | +4.3% | +11.8 pts |
| Loan growth (YoY) | +27.7% | +5.3% | +22.4 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 10.4% | 12.4% | -2.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $581.6M | $446.6M | $396.4M | $54.1M | $2.7M | 1.01% | 3.39% | 0.04% |
| Q1 2026 | $524.8M | $444.0M | $353.4M | $51.4M | $1.3M | 0.97% | 3.36% | 0.15% |
| Q4 2025 | $509.7M | $413.1M | $349.7M | $51.3M | $3.1M | 0.66% | 3.14% | 0.20% |
| Q3 2025 | $479.0M | $411.1M | $322.9M | $50.0M | $2.0M | 0.60% | 2.92% | 0.22% |
| Q2 2025 | $459.5M | $384.4M | $310.3M | $39.2M | $1.5M | 0.68% | 2.92% | 0.22% |
| Q1 2025 | $453.7M | $401.9M | $304.3M | $38.2M | $515K | 0.46% | 2.76% | 0.11% |
| Q4 2024 | $433.5M | $355.0M | $299.6M | $37.5M | $1.4M | 0.33% | 2.80% | 0.12% |
| Q3 2024 | $434.1M | $367.2M | $282.5M | $37.7M | $989K | 0.33% | 2.69% | 0.14% |
Loan mix (Q2 2026): real estate $310.3M · commercial $72.9M · consumer $98K · securities $134.7M
| Ratio | Merit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 61.2% | 42th |
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 | Merit 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 | Merit 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 | Merit 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 | Merit 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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