| Metric | Mt. McKinley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Deposit growth (YoY) | +0.9% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +8.3% | +5.3% | +2.9 pts |
| ROA | 0.69% | 1.28% | -0.6 pts |
| ROE | 4.3% | 12.4% | -8.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $635.2M | $523.7M | $286.9M | $105.1M | $2.2M | 0.69% | 3.74% | 0.58% |
| Q1 2026 | $631.5M | $521.9M | $275.8M | $103.1M | $988K | 0.62% | 3.71% | 0.26% |
| Q4 2025 | $640.7M | $530.3M | $272.0M | $103.2M | $5.3M | 0.84% | 3.81% | 0.43% |
| Q3 2025 | $639.5M | $532.2M | $271.6M | $100.6M | $3.7M | 0.80% | 3.75% | 0.51% |
| Q2 2025 | $625.4M | $519.1M | $265.0M | $95.4M | $2.4M | 0.76% | 3.71% | 0.51% |
| Q1 2025 | $612.7M | $512.5M | $243.5M | $94.2M | $999K | 0.64% | 3.59% | 0.53% |
| Q4 2024 | $628.3M | $530.2M | $247.5M | $91.6M | $4.7M | 0.74% | 3.33% | 0.61% |
| Q3 2024 | $641.3M | $532.9M | $242.7M | $95.5M | $3.6M | 0.74% | 3.23% | 0.63% |
Loan mix (Q2 2026): real estate $211.9M · commercial $74.3M · consumer $3.5M · securities $278.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mt. McKinley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 61.2% | 88th |
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 | Mt. McKinley 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 | Mt. McKinley 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 | Mt. McKinley 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 | Mt. McKinley 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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