| Metric | Merrick Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.9 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 2.55% | 1.26% | +1.3 pts |
| ROE | 13.5% | 12.2% | +1.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.13B | $7.41B | $7.34B | $1.61B | $116.1M | 2.55% | 19.58% | 3.35% |
| Q1 2026 | $8.93B | $7.12B | $7.29B | $1.68B | $75.2M | 3.31% | 19.61% | 3.78% |
| Q4 2025 | $9.25B | $7.24B | $7.55B | $1.88B | $99.7M | 1.16% | 19.53% | 3.79% |
| Q3 2025 | $9.11B | $7.09B | $7.50B | $1.87B | $62.0M | 0.98% | 19.05% | 3.50% |
| Q2 2025 | $8.95B | $6.99B | $7.31B | $1.83B | $26.3M | 0.64% | 17.95% | 3.23% |
| Q1 2025 | $8.91B | $6.97B | $5.00B | $1.85B | $47.0M | 2.41% | 15.45% | 2.65% |
| Q4 2024 | $6.69B | $5.35B | $4.96B | $1.25B | $107.7M | 1.74% | 20.58% | 3.94% |
| Q3 2024 | $5.92B | $4.56B | $4.51B | $1.27B | $122.6M | 2.70% | 20.96% | 4.18% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8.68B · securities $285.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Merrick Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 19.58% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.4% | 59.0% | 3th |
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 | Merrick 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 | Merrick 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 | Merrick 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 | Merrick 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.