| Metric | NBH Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.9% | +5.9% | +20.0 pts |
| Deposit growth (YoY) | +25.9% | +5.7% | +20.2 pts |
| Loan growth (YoY) | +30.6% | +6.9% | +23.6 pts |
| ROA | 1.09% | 1.23% | -0.1 pts |
| ROE | 8.4% | 11.2% | -2.8 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.54B | $10.55B | $9.68B | $1.66B | $63.5M | 1.09% | 4.24% | 0.51% |
| Q1 2026 | $12.56B | $10.65B | $9.52B | $1.63B | $28.0M | 1.00% | 4.38% | 0.48% |
| Q4 2025 | $9.84B | $8.44B | $7.37B | $1.25B | $117.2M | 1.18% | 3.90% | 0.43% |
| Q3 2025 | $10.11B | $8.58B | $7.36B | $1.28B | $97.6M | 1.30% | 3.90% | 0.39% |
| Q2 2025 | $9.96B | $8.38B | $7.42B | $1.25B | $61.0M | 1.23% | 3.91% | 0.41% |
| Q1 2025 | $10.06B | $8.55B | $7.57B | $1.22B | $26.3M | 1.06% | 3.90% | 0.36% |
| Q4 2024 | $9.77B | $8.37B | $7.68B | $1.19B | $130.4M | 1.32% | 3.89% | 0.53% |
| Q3 2024 | $9.96B | $8.62B | $7.64B | $1.19B | $99.7M | 1.34% | 3.82% | 0.35% |
Loan mix (Q2 2026): real estate $5.63B · commercial $2.68B · consumer $14.7M · securities $1.34B
| Ratio | NBH Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.23% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.3% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 54.9% | 86th |
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 | NBH 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 | NBH 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 | NBH 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 | NBH 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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