| Metric | Metz Banking Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 14.5% | 11.9% | +2.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $117.3M | $104.0M | $75.5M | $12.9M | $915K | 1.60% | 3.55% | 0.00% |
| Q1 2026 | $116.0M | $102.9M | $73.7M | $12.6M | $385K | 1.36% | 3.53% | 0.00% |
| Q4 2025 | $110.0M | $97.2M | $74.9M | $12.3M | $1.3M | 1.24% | 3.53% | 0.04% |
| Q3 2025 | $110.6M | $98.1M | $74.9M | $12.1M | $1.0M | 1.29% | 3.48% | 0.00% |
| Q2 2025 | $110.2M | $98.3M | $76.6M | $11.5M | $710K | 1.33% | 3.41% | 0.00% |
| Q1 2025 | $105.7M | $94.1M | $74.7M | $11.2M | $322K | 1.23% | 3.26% | 0.00% |
| Q4 2024 | $104.1M | $93.1M | $73.4M | $10.6M | $920K | 0.92% | 3.16% | 0.06% |
| Q3 2024 | $102.9M | $91.6M | $75.0M | $10.9M | $784K | 1.05% | 3.17% | 0.01% |
Loan mix (Q2 2026): real estate $62.3M · commercial $9.1M · consumer $1.1M · securities $25.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Metz Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 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 | Metz Banking Company | 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 | Metz Banking Company | 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 | Metz Banking Company | 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 | Metz Banking Company | 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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