| Metric | MountainOne Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.5% | -0.0 pts |
| Deposit growth (YoY) | -0.3% | +5.1% | -5.4 pts |
| Loan growth (YoY) | +7.9% | +5.9% | +2.0 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 7.7% | 12.2% | -4.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.08B | $774.3M | $828.2M | $170.9M | $6.5M | 1.22% | 3.81% | 0.92% |
| Q1 2026 | $1.07B | $789.4M | $804.1M | $167.4M | $2.9M | 1.08% | 3.83% | 0.35% |
| Q4 2025 | $1.05B | $780.5M | $786.4M | $165.1M | $11.9M | 1.17% | 3.74% | 0.21% |
| Q3 2025 | $1.04B | $790.7M | $782.6M | $163.0M | $8.7M | 1.14% | 3.69% | 0.21% |
| Q2 2025 | $1.03B | $776.6M | $767.5M | $158.6M | $5.5M | 1.09% | 3.62% | 0.23% |
| Q1 2025 | $997.5M | $753.6M | $743.7M | $154.7M | $2.4M | 0.97% | 3.53% | 0.23% |
| Q4 2024 | $983.4M | $759.8M | $732.5M | $150.6M | $9.0M | 0.90% | 3.49% | 0.18% |
| Q3 2024 | $984.8M | $760.0M | $706.9M | $150.9M | $7.1M | 0.95% | 3.47% | 0.23% |
Loan mix (Q2 2026): real estate $754.5M · commercial $73.4M · consumer $8.8M · securities $129.1M
| Ratio | MountainOne Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 59.0% | 72th |
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 | MountainOne 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 | MountainOne 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 | MountainOne 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 | MountainOne 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.