| Metric | Nave Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +114.2% | +4.9% | +109.2 pts |
| Deposit growth (YoY) | +148.9% | +4.3% | +144.6 pts |
| Loan growth (YoY) | +173.7% | +5.3% | +168.3 pts |
| ROA | -0.49% | 1.28% | -1.8 pts |
| ROE | -3.3% | 12.4% | -15.7 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $555.0M | $431.9M | $273.9M | $70.7M | $-1.2M | -0.49% | 2.90% | 0.00% |
| Q1 2026 | $466.6M | $343.7M | $210.3M | $70.9M | $-911K | -0.82% | 2.74% | 0.00% |
| Q4 2025 | $427.0M | $301.6M | $183.9M | $72.2M | $-7.4M | -2.50% | 2.86% | 0.00% |
| Q3 2025 | $316.6M | $231.6M | $148.4M | $72.9M | $-6.5M | -3.25% | 2.83% | 0.00% |
| Q2 2025 | $259.2M | $173.5M | $100.1M | $74.6M | $-4.3M | -3.47% | 2.78% | 0.00% |
| Q1 2025 | $232.1M | $154.0M | $45.9M | $76.8M | $-1.7M | -2.88% | 2.59% | 0.00% |
| Q4 2024 | $252.8M | $172.5M | $49.6M | $78.1M | $-10.4M | -5.74% | 3.75% | 0.00% |
| Q3 2024 | $191.1M | $108.5M | $43.8M | $80.9M | $-7.8M | -6.44% | 4.04% | 0.00% |
Loan mix (Q2 2026): real estate $181.4M · commercial $83.5M · consumer $0 · securities $79.8M
| Ratio | Nave Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 1.28% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.3% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.8% | 61.2% | 98th |
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 | Nave 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 | Nave 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 | Nave 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 | Nave 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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