| Metric | Milestone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.5% | +4.4% | -16.9 pts |
| Deposit growth (YoY) | -13.9% | +4.0% | -17.9 pts |
| Loan growth (YoY) | -18.7% | +5.6% | -24.3 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $342.2M | $282.8M | $289.1M | $53.2M | $1.2M | 0.69% | 5.70% | 4.61% |
| Q1 2026 | $360.5M | $299.3M | $298.6M | $52.4M | $441K | 0.48% | 5.85% | 3.97% |
| Q4 2025 | $374.6M | $313.6M | $327.6M | $51.9M | $4.8M | 1.27% | 6.68% | 3.42% |
| Q3 2025 | $385.3M | $319.4M | $349.3M | $52.3M | $5.3M | 1.87% | 6.81% | 0.97% |
| Q2 2025 | $391.0M | $328.6M | $355.7M | $50.5M | $3.6M | 1.89% | 6.84% | 1.28% |
| Q1 2025 | $368.2M | $304.8M | $331.8M | $48.8M | $2.0M | 2.16% | 6.86% | 0.77% |
| Q4 2024 | $365.5M | $303.8M | $325.3M | $46.9M | $3.6M | 0.99% | 6.40% | 0.74% |
| Q3 2024 | $403.0M | $342.4M | $304.6M | $45.8M | $2.7M | 0.96% | 6.49% | 0.86% |
Loan mix (Q2 2026): real estate $58.5M · commercial $231.5M · consumer $0 · securities $3.2M
| Ratio | Milestone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 41th |
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 | Milestone 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 | Milestone 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 | Milestone 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 | Milestone 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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