| Metric | nbkc bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.5% | +2.8 pts |
| Deposit growth (YoY) | +9.0% | +5.1% | +3.9 pts |
| Loan growth (YoY) | +10.2% | +5.9% | +4.3 pts |
| ROA | 2.23% | 1.26% | +1.0 pts |
| ROE | 13.5% | 12.2% | +1.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.24B | $1.01B | $903.8M | $209.0M | $13.8M | 2.23% | 3.79% | 1.07% |
| Q1 2026 | $1.23B | $996.6M | $885.3M | $205.9M | $5.2M | 1.66% | 3.72% | 0.93% |
| Q4 2025 | $1.26B | $1.03B | $880.1M | $201.4M | $32.1M | 2.74% | 3.90% | 0.79% |
| Q3 2025 | $1.17B | $940.0M | $845.6M | $198.6M | $23.8M | 2.77% | 3.89% | 0.90% |
| Q2 2025 | $1.15B | $923.5M | $820.2M | $194.4M | $17.1M | 2.99% | 3.77% | 0.65% |
| Q1 2025 | $1.13B | $916.8M | $814.7M | $184.4M | $5.3M | 1.85% | 3.65% | 0.58% |
| Q4 2024 | $1.14B | $926.8M | $796.0M | $177.7M | $35.0M | 3.07% | 3.87% | 0.47% |
| Q3 2024 | $1.14B | $897.9M | $798.6M | $201.5M | $20.2M | 2.37% | 3.93% | 0.32% |
Loan mix (Q2 2026): real estate $825.2M · commercial $43.5M · consumer $28.4M · securities $139.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | nbkc bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 12.2% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 59.0% | 91th |
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 | nbkc 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 | nbkc 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 | nbkc 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 | nbkc 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.