| Metric | National Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +9.7% | +4.0% | +5.7 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 5.1% | 11.9% | -6.8 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.0M | $203.5M | $132.7M | $20.6M | $521K | 0.43% | 2.89% | 0.09% |
| Q1 2026 | $245.6M | $203.9M | $134.1M | $20.6M | $232K | 0.38% | 2.73% | 0.10% |
| Q4 2025 | $239.7M | $196.1M | $131.0M | $20.5M | $1.2M | 0.52% | 2.87% | 0.10% |
| Q3 2025 | $233.1M | $189.9M | $129.5M | $20.0M | $771K | 0.45% | 2.86% | 0.12% |
| Q2 2025 | $227.8M | $185.5M | $130.3M | $17.7M | $393K | 0.35% | 2.84% | 0.13% |
| Q1 2025 | $229.3M | $185.2M | $128.9M | $19.4M | $114K | 0.21% | 2.78% | 0.02% |
| Q4 2024 | $214.0M | $181.9M | $117.7M | $18.7M | $699K | 0.31% | 2.34% | 0.02% |
| Q3 2024 | $222.4M | $179.1M | $118.6M | $20.9M | $381K | 0.23% | 2.24% | 0.02% |
Loan mix (Q2 2026): real estate $125.6M · commercial $3.2M · consumer $4.1M · securities $86.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | National Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 62.9% | 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 | National Bank & Trust | 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 | National Bank & Trust | 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 | National Bank & Trust | 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 | National Bank & Trust | 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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