| Metric | Minster Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Deposit growth (YoY) | +5.3% | +4.3% | +0.9 pts |
| Loan growth (YoY) | +14.5% | +5.3% | +9.2 pts |
| ROA | 1.62% | 1.28% | +0.3 pts |
| ROE | 19.0% | 12.4% | +6.6 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 | $811.6M | $719.4M | $457.0M | $72.2M | $6.6M | 1.62% | 3.80% | 0.08% |
| Q1 2026 | $814.0M | $723.0M | $447.6M | $68.0M | $3.1M | 1.55% | 3.70% | 0.09% |
| Q4 2025 | $802.2M | $706.9M | $436.7M | $66.5M | $12.0M | 1.54% | 3.61% | 0.09% |
| Q3 2025 | $805.9M | $715.6M | $402.7M | $66.9M | $8.9M | 1.52% | 3.57% | 0.05% |
| Q2 2025 | $773.5M | $683.4M | $399.0M | $61.7M | $5.7M | 1.48% | 3.55% | 0.06% |
| Q1 2025 | $778.1M | $696.2M | $386.3M | $57.0M | $2.7M | 1.43% | 3.50% | 0.03% |
| Q4 2024 | $757.7M | $678.7M | $373.4M | $54.1M | $9.6M | 1.31% | 3.27% | 0.12% |
| Q3 2024 | $740.6M | $657.4M | $361.9M | $61.3M | $6.8M | 1.24% | 3.22% | 0.48% |
Loan mix (Q2 2026): real estate $401.6M · commercial $36.7M · consumer $4.0M · securities $238.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Minster Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 12.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.2% | 61.2% | 20th |
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 | Minster 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 | Minster 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 | Minster 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 | Minster 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.